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Feeling like I’ve failed because I don’t earn a lot of money. But neither do most people!

87 replies

bushproblems · 09/01/2026 22:45

I’m going to come back to this thread daily and remind myself that the majority of the UK is not earning £100k+

In the past few months, I’ve been consumed with the feeling that I’m a total failure in my life because I earn below the average wage in the UK of £37k, . I don’t have £400k in stocks and shares and a maxed out pension pot. I have about £13k in my pension!

I’ve been looking around my house and it’s not a 4 bed detached with the huge living/kitchen/diner, bifolds and separate utility room, which is what I’m basing a “successful life” on, for some reason, and it’s been making me feel rubbish.

But actually, I have a lovely home! And yes it’s mortgaged and needs new carpet, but it’s actually perfect for me. I don’t know why I’ve got it in my head that I need more. My job is pretty boring and not very well paid, but it’s keeping the roof over my head and I’d be fucked with out it.

I’m not sure if anyone else on here has been feeling the same, because a lot of women on MN seem to have high paying, successful careers, but I definitely need to try and be more positive about what I do have.

OP posts:
sparrowhawkhere · 11/01/2026 08:00

Stompingupthemountain · 10/01/2026 13:16

For you maybe. I have a different experience. The hardest and most tiring work I’ve ever done in my life was minimum wage hospitality and retail. I’m now self-employed and earn between 70-120k depending on whether I can be bothered to work more than three days a week. Mostly I can’t (I set my own schedule as a consultant) so I earn closer to 70k because I prefer downtime and 8 weeks of holiday.

I’m sorry to OP if this comes across as bragging - I don’t mean it to be so, I passionately believe success is about designing a life that works for you and money isn’t the top priority. But I wish high earners would stop pretending it’s such a hardship and sacrifice and that low earners should be grateful not to have to use their brains or work 16-hour days because that isn’t the reality of every high-earning job at all. And if it is your reality, maybe working a bit less, having less money but a nicer life overall might be something worth thinking about.

Completely agree with this, the hardest I’ve ever had to work in my life is in a job I had for 2 months as a student. I was physically exhausted, given title respect, working conditions were hard. It gave me a real insight into how hard people’s lives are.

I try and focus on our health and general happiness.

euff · 11/01/2026 08:29

TheaBrandt1 · 10/01/2026 00:42

Honestly if you earn £100k you pay so much tax it really isn’t the sweet spot you think it is. We are basically supporting everyone else. Earning £100k doesn’t mean you get to keep £100k…

Nothing wrong in your post and I’m an average earner whose friends all far out earn me. I don’t resent them for it. I know that if their gross salary is 2/3 times mine it doesn’t mean their take home pay is 2/3 times more.

There’s also location costs, my colleagues living in another part of the country have far nicer homes in the places they grew up for nearly half the cost leaving them with more to spend and do things with. I know I could have that if I moved but would need to leave the area I grew up in with my family and friends, change kids schools and friends and spend more coming back to visit.

MaybeNextYear2026 · 11/01/2026 08:30

PevenseygirlQQ · 10/01/2026 18:18

I think we have to remember that most people only post the best bits of life, when I was younger and a lot worse off than I was now I never used to post about not being able to afford wifi or my phone bill.

I do remind myself that there are millions of people who would do anything for my life, not in a boasty way, I mean more like I have a roof over my head, I’m healthy as are my loved ones, my children eat everyday, they are clean, have clean clothes and a warm bed every night. We have access to healthcare, education etc I have a loving partner and family and friends. I am so so very lucky!

However, would I like a trip to the Maldives and a Chanel bag, absolutely!

Your post struck a cord with me. My cousin was always all designer bags and luxury holidays (though she is the most wonderful and thoughtful person). Her baby has spent 9 months out of the last 13 in hospital. I’m sure she would give up all her Diors and Chloes if that meant they could bring him home and now be constantly expecting to have to rush him back to hospital. Nothing is more important than health. Love to you and your family!

Didshejustsaythatoutloud · 11/01/2026 08:42

Do you know what op, we had no water for 2 days, due to burst pipes. I was raging because I couldnt get my bath! When the water eventually started coming through my taps I stood and thought how we (I) take the smallest things for granted.
Count your blessings darling and be thankful you are not suffering like many others are in the world.

sorryIdidntmeanto · 11/01/2026 08:51

I do understand.
Two of my siblings married into families with a lot of money, and own homes worth 5 x what mine is worth. It is a bit frustrating as we work similar jobs, but they can afford holidays, cars etc, that I can't.
I did really well at school and often wonder if I should have gone into a higher evening career. So my lack of money does sometimes bother me.
However, I am very good with money and always handle it well, so I have no fear of running out. I am also very fortunate to have children that I adore, a job I find stimulating, and strong mental health.
Whenever I see someone who apparently has it easy, I ask myself if I would really swap my life for theirs, and I wouldn't.
Money is such a weird thing. It comes and goes, and in the end it means nothing. Another thing I can't get my head around is older people large houses and lots of disposable income, while their children worry about making ends meet.
Wealth is very rarely about how hard you work, I feel. It is much more often about luck.

bushproblems · 11/01/2026 10:27

LondonCheesecake · 11/01/2026 07:22

I have a very good friend that I've been close to for 35 years. I have never felt any jealousy towards her, we are different people that chose different paths, although had a very similar starting point. A little while ago we had a conversation about the future and while she didn't say directly, I realised that her pension contributions are more than my annual salary! It did make me pause and think about my life, particularly my earnings.

I'm in a low paid job, it's very demanding but I enjoy it and I feel that I make a difference to others lives everyday. I have downloaded a free diary app and now write 3 things a day that I'm grateful for, or have made me smile. Sometimes it's as simple as getting home before the rain starts but all these things slowly shift your mindset to one of gratitude. I strongly recommend it and it's free 😃

What’s the name of the app @LondonCheesecake it sounds really good

OP posts:
bushproblems · 11/01/2026 10:28

NewUserName2244 · 11/01/2026 07:38

You've had a lot of posts on this thread talking about feeling contented with what you have, which I absolutely agree with in principal.

But, sometimes these feelings of discontent are also a push that we need to take the next step with our lives.

You've written about your salary, as though it is fixed and immovable. But how about using these feelings as a springboard to look at your next step up? You would love to be earning 40k, so how do you get there?

Think about what your boss earns. What would you need to do to get there? (eg if you work in a shop what skills and qualifications would you need to be a store manager? How do you get them?) Or is there a niche part of your role which you could expand on? (eg if you're a nurse could you train on something specific to move up a band?) Or could you negotiate more money (eg if you work in a company go in with some ads showing equivalent roles which pay more and ask for a pay rise)? Or could you move job? Or is there training which would increase your salary?

Money isn't by any means the only metric for happiness, but if, at the moment, the things which you're wanting are mostly material things, then using this as a point for career development feels sensible.

This is really good advice x

OP posts:
AlexFurbison · 11/01/2026 10:58

I work part-time for a charity so I am definitely not a big earner. I love my job and the flexibility, but sometimes I do look at others and feel a bit envious.

I don't always follow my own advice, but I think gratitude is the way to overcome that feeling. I can remember a time when I dreamed of everything I have now - two lovely kids, loving husband, nice house etc.

We have been house-hunting recently and I commented that the houses we really like are always £100k above our budget. The estate agent said that everyone says that, even the mega rich, so I think it's human nature to always want a bit more than we have. I'm working on gratitude and contentment this year (and doing a low spend January!)

"He who is not contented with what he has, would not be contented with what he would like to have." — Socrates

ETA: I do also agree with the above about it being possible to earn more. I swapped income for flexibility, part-time hours and a cause I wholeheartedly support so that's the pay off and most of the time I am happy with that choice. If your choice isn't working for you it could be time to reskill or move on. I know that's easier said than done though.

Binus · 11/01/2026 12:14

bushproblems · 10/01/2026 18:04

I’ve not looked on instagram today, to avoid all the clothes, houses and holidays but I do still have a bit of weight on me. I suppose it takes a while to get in to a new mindset!

That's a great start.

While there are benefits to social media, a substantial slice of it is intended to make you feel you need things that you don't, either through excitement or feelings of inadequacy. You can refuse to engage in that side.

Cat1504 · 11/01/2026 12:21

SouthernNights59 · 10/01/2026 03:13

I'm 66 and will be renting for the rest of my life, and I never go on holiday and don't own a car. I'm retired now but never earned big money - and I couldn't care less. Would I like a house/flat of my own? Of course I would but it's not going to happen. I do have money in the bank but it came via inheritance. Do I feel like a failure - no I don't because wealth has never meant success to me. I worked to pay the bills and never wanted a stressful better paying job, nor one which took more of my time.

Edited

Wealth doesn’t mean success to me…..I’m 61 and couldn’t imagine not going on holidays….what do your spend your money on?
I work 2 days a week ( took my nhs pension at 57)…..but won’t stop work any time soon as I need some’wealth’ to have nice holidays…..days out….and money to spend on kids and grandkids ( like to take them all on holiday with us each year and days out)…,,I wouldn’t feel a failure if I couldn’t do this…but it would make me sad

DecisionTime123 · 12/01/2026 10:53

So @Cat1504 what about those of us who can never hope to do things like that? Who spend their money on their bills and then have nothing left over?

wossupthen · 12/01/2026 14:18

DecisionTime123 · 12/01/2026 10:53

So @Cat1504 what about those of us who can never hope to do things like that? Who spend their money on their bills and then have nothing left over?

We don't actually exist! No-one with money can understand how others don't have much.
It's sooo patronising.

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