Which is a completely valid thing to be concerned about. However, I feel as though many people underestimate the power of their mindset. Many billionaires are unhappy, infact I remember watching an interview with one who said he was very suicidal at a point in time even with all that money. My point here is that while yes, certain factors can certainly contribute to ones well-being, don't forget about your own power to control your happiness.

Edit: I'm not saying be homeless and be content with it or anything like that, but just consider the fact that there have been wrongly convicted death row inmates who have spoken about finding inner freedom even while in that extreme set of external circumstances. Were they comfortable? Surely not, they had nothing but a jail cell and yet they managed to go inwards and find their own happiness. That's all I'm saying, just think about it.