Wealth, after all, is a relative thing, since he that has little, and wants less, is richer than he that has much, but wants more.

Being well off is a relationship between what you have and what you want, and only one side of it is in your control. Someone with modest means and settled desires lives with a surplus, while someone with a great deal and an appetite that keeps pace lives in permanent shortage, whatever the numbers say. The arithmetic can be improved from either end. Most people only ever work on one.

Look at what you have added to your wants in the last two years and whether any of it arrived by choice. Removing one want does the same work as a raise, and it takes effect immediately.