Wellbeing isn’t just about feeling happy all the time—it’s about developing resilience, security, and a positive outlook on life. A “glass half full” approach to wellbeing encourages focusing on progress rather than perfection, recognising small wins, and appreciating the steps you’ve taken to secure your future. 

Many people underestimate their achievements and worry about whether they are “doing enough” in life. However, if you have certain financial safeguards in place, you may be in a much better position than you realise.

Here are five signs you are doing better than you think:

1. You Have an Emergency Fund
   An emergency fund is one of the strongest indicators of financial wellbeing. Life is full of unexpected events—car repairs, medical bills, or sudden job loss—but having a safety net in place means you can handle these surprises without resorting to debt or financial panic. If you have three to six months’ worth of expenses saved, you’re ahead of the curve. Many people live pay-cheque to pay-cheque, so if you’ve built an emergency fund, you’ve already demonstrated foresight, discipline, and financial stability.

2. You Invest Regularly
   Investing is one of the most effective ways to build long-term wealth and financial security. Whether you contribute to a retirement fund, stocks, ETFs, or real estate, the habit of investing regularly—regardless of market fluctuations—shows that you are thinking ahead. Investing is not about quick gains but about consistency over time. Even small, consistent contributions can compound into significant wealth. If you’re investing regularly, you’re securing your future while many others struggle to start.

3. You Don’t Stress Over Small Purchases
   Many people scrutinize every little purchase, worrying about whether they should buy a coffee or dine out occasionally. If you’ve reached a point where you can make small purchases without guilt or stress, it’s a sign that you have financial flexibility. This doesn’t mean reckless spending, but rather that your finances are stable enough that a $5 or $10 expense won’t derail your goals. Financial freedom isn’t about never spending—it’s about spending within your means without anxiety.

4. Your Net Worth Is Growing
   Your net worth—the difference between your assets and liabilities—is a key measure of financial progress. If your savings, investments, and assets are increasing over time while your debt is decreasing, you’re on the right path. Many people focus on income alone, but a high salary doesn’t automatically translate to financial health. If your net worth is trending upward, it means you are making smart financial decisions and steadily improving your financial foundation.

5. You Can Handle a $2,000 Unexpected Expense
   Unexpected expenses are inevitable, but being able to cover a $2,000 emergency without taking on debt is a major sign of financial stability. This could mean having cash savings, a well-managed budget, or a flexible financial plan. Many people would struggle to cover an unexpected cost without borrowing money. If you can absorb these financial shocks, you have a level of security that allows you to navigate life’s uncertainties with confidence.

Final Thoughts

It’s easy to be hard on yourself and feel like you’re not doing enough, but adopting a “glass half full” perspective means recognizing the progress you’ve made. If you have an emergency fund, invest regularly, spend without unnecessary stress, see your net worth grow, and can handle unexpected expenses, you are in a far stronger position than you may realize. Financial wellbeing isn’t about perfection—it’s about making steady, intentional choices that lead to long-term stability. Celebrate these wins and continue building toward a secure and fulfilling future.

If this article has inspired you to think about your unique situation and, more importantly, what you and your family are going through right now, please get in touch with your advice professional.

This information does not consider any person’s objectives, financial situation, or needs. Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation, or needs.

(Feedsy Exclusive)