You never really know what other people's situations are and it's so easy to assume things.
I do a really menial job, working for myself at home. I know that most people think that I do it for pocket money, because my DH has a good job. But the reality is, that I earn double what he does.
In the summer, we can net £7500pm between us, in the winter it's about £5000pm.
Our mortgage and bills are approx £1300 per month. We send £444 extra to the mortgage though, so in reality we spend £1744.
Then we buy food (not entirely sure what we spend there - maybe £500pm).
DH has commuting costs (again, not sure exactly what that comes to - maybe £100pm).
I have no commuting costs, because I wfh. A tank of diesel costs me around £60 and lasts me for about 10 weeks (little trips to supermarket).
No childcare fees, as the children are grown up.
I think people look at what I do, and wonder how we afford holidays. Or assume we put them on credit cards. We don't.
I did have an inheritance when a parent passed away, and I had a redundancy package when I left a job that I had been in for 27 years. Both of these lump sums were primarily sent to the mortgage to get it right down.
Only 15 years ago, my situation was dire. I had a huge mortgage, more credit cards than I should have been allowed (5 at once, iirc) and my income was just £1200pm. I also had children at home. I was struggling big time.