Thank you to all who took the time to answer my question. So many things I would like to address, but first:
"comparison is the thief of joy".
I gave that same advice to a friend a while ago. And it's true. So thanks for that! So many comments made, so I will try to reply as best as I can.
That's really what it all boils down to... and unfortunately for me, I have no education at all, (other than a high school diploma) a dead end job that gives me zero benefits, and a poverty level wage. I guess it's the perfect storm. Thank God my husband does quite well.
A lot of posters mentioned business travel and frequent flyer miles. This past trip we took, was the first trip I have been on in 20 years, as well as the first plane trip in 20 years.. So, that is against me too. No points or miles, it was all cash paid. We definitely didn't travel first class, we stayed in small B&B's and ate picnic style lunches and inexpensive dinners. We did rent a car for a week but I have to say it was quite inexpensive. And I would do it again, I loved the freedom. No souvenirs except a few (VERY) small items. I did buy some beer steins and had them shipped back, but the money we spent on them, was separate from the 'trip fund.'
And as for the Dave Ramsay philosophy:
Baby Step 1: $1,000 cash in a beginner emergency fund
Baby Step 2: Use the debt snowball to pay off all your debt but the house
Baby Step 3: A fully funded emergency fund of 3 to 6 months of expenses
Baby Step 4: Invest 15% of your household income into retirement
Baby Step 5: Start saving for college
Baby Step 6: Pay off your home early
Baby Step 7: Build wealth and give generously
Step 1-- Check!
Step 2-- No debt whatsoever except a mortgage
Step 3-- Check!
Step 4-- Not 15% but we make regular deposits into the retirement funds
Step 5-- No kids so no saving for college is necessary
Step 6-- In the process of doing that as we speak... our 30-yr mortgage will be paid in 21 years. Not as impressive as others, but still 9 years early.
Step 7-- Trying!! Lol
We drive 14 and 7 year old cars, and my husband has an 11 year old motorcycle. Both of our credit scores are well above 800 and what we have, we manage as well as possible. We very rarely go out to eat, and we don't smoke or drink. We always bring a bagged lunch to work. We sat on the same furniture for 28 years, until it just became 'un-sittable' and we had to buy new. I never get manicures, as another posted noted. We are 'make do' people. Maybe not as much as others here, but we don't splash out on everything we see. Much of our social life revolves around charity motorcycle rides and other events. We do like the occasional concert, and I have to admit that I buy what we need, if possible.
So maybe we are on the right track after all. Aside from my dead end job and horrendous pay, we really don't seem to do too many things differently than anybody else here. It just takes us longer. I will keep on plugging away!!!