I paid my own Uni fees with a bank loan (yes, DF did guarantor it but I paid it back). I came out with a piece of paper that I have never used in a professional sense, my jobs have been in different areas. I worked as a temp clerical role for 9months before getting a job in the civil service (before there was a requirement for a degree) and have worked my way up from there. I saved money from my first paycheque - when I was on under 8k per year, and that habit has helped me get where I am now. I did night classes that I paid for myself, a Diploma by night that work refunded the costs when I passed, and managed to get on a course to do a Masters related to work but started that when I had a 9 month old - so it was a tough 2 years juggling everything. And I have always worked incredibly hard at my job. We don't have family near us so all childcare was formal paid childcare that we paid for.
DH had to go to technical college initially, and then uni, covering costs on scholarships. He was able to get a job in the profession of his degree, but his progression has been due to his hard work and extra study.
We saved up and paid for our own house deposit, we did a lot of the work to finish it (from builders' finish) ourselves, painting, tiling, laying out garden, etc. We slept on a mattress on the floor for 4 months, and had no carpets for a year. Much of the big items of furniture were wedding presents (DAunts and DUncles grouped together to get dining table and chairs, DBIL bought our bed, etc).
We had some luck, that we had saved more by the time there was a dip in the market a few years later, so we're able to trade "up" (slightly smaller, 25 years older, house - but closer to city and far nicer suburb) a few years later. So we left our clean and neat finished house and took on another project, doing lots ourselves again and saving up for bigger projects over the years.
We don't use credit, we save for cars (except the first 1 which was necessary for work, before savings were built up), and don't constantly replace them. We only go on holidays using savings, and often holiday in this country rather than far afield - but have done a few long haul destinations over the years too. We live relatively frugally, well within our means. Just because I have more disposable income now doesn't mean I need a designer handbag, but one that works well and will last me a decent amount of time and looks nice for my style. I buy more expensive clothes that last well, I'll reheel/resole shoes before I replace them, we get household items repaired if possible, etc.
There is an element of luck, but mostly our incredible hard work both at work and life, and tendency towards saving rather than spending. But we can now enjoy life too - like deciding to go out for dinner because we've had enough of a bad day and can't face cooking. Or deciding that if an opportunity comes up, we can take savings to go on that fabulous trip. Or set aside some money (and time) for an expensive hobby.
But we also give back as well, volunteering to support organising a number of different activities for young people and professionally. And have also not lost our zest for learning.