Welcome Scarecrow.
Can relate to everything you say....i can get really down about this stuff....i think i should be living in a mansion....but i dont believe i'll ever have the money to buy a garden shed....then i think i am too old to make it happen....then i am depressed and my life is over....in my mind i am a pensioner living in poverty. But like you i keep on trekking and in the moments i dont get ahead of myself i feel just fine.
Warmest wishes
Evanna.