'It certainly makes me a lot better off than someone in a rented house even if they have a sky and smoke fifty fags a day.'
Ah, but maybe not to them.
I've worked all my life, but I'll certainly never have equity in a house (lifelong renter here), a pension, holidays abroad, the option to pay for a cleaner or au pair, etc.
Just because one works doesn't mean that comes with many opportunities.