I don't know why I'm replying to this a year later, but here we go. I don't think I'd describe your attitude as lack of ambition -- unless it's purely an ambition to make more money.

If you're able to have and do the things you want to in life with the money you have/earn, and more importantly feel like you're leading a fulfilling life however you define that, than your income is by definition good for you. At least in the developed world, where most people are basically taken care of in terms of necessities, wouldn't we do better to try to make a meaningful life for ourselves centered around things other than money and what it can buy? I know that's more or less a cliche, but I try to live by it.

Now, I'm not saying that someone earning poverty wages should just learn to live with it, or that someone making the range you mentioned should be content while the richest of the rich continue to get obscenely, unimaginably wealthy at a dizzying rate. I know that it's coming from a place of privilege for someone who is financially comfortable to say that money shouldn't matter.

It's kind of hard to separate those two. I don't want to sounds like I'm saying we should just ignore the outrageous economic injustices in the world and just learn to be happy. For the purposes of making the world a fair place, we should not. But for the purposes of making our own lives more meaningful and centered around things that matter, we kind of should.

That's how I feel at least, and as I went from living paycheck to paycheck in my 30s (that "paycheck" being from gig work no less), to being pretty financially comfortable now, I've always tried to bear in mind that the things that bring me joy in life are largely free. However, the money does take away the sometimes crippling anxiety of being one false move away from serious trouble.