I like your post and your attitude about everything but when I was your age I never really felt any financial pressure for the most part. Not having proper access to capital can be a major issue in actually making money work for you. Once a person can live off of the interest of their investments then there aren't a lot of worries. The bills, taxes, fees....etc is enough to make someone go insane over here.
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I am an independent woman who needs to work in case to have enough money to live the life that I chose. So I felt the financial problems as well. My family wasn´t rich, so I build everything on my own. I dont say that you dont need money to live. Of course you need it, its a tool. But people are chasing after money like its their last breath which is a huge problem because if you are able to pay your monthly bills, you should keep calm and change the way how you think about money....