And everyone is trying to muddle through, including your heroes. I think it's good to keep this in mind; both to avoid feeling inferior for not having your shit figured out (because nobody has) and to be tolerant of people making mistakes – nobody's perfect and everyone has issues besides getting your order exactly right.
Be chill with yourself and with other people.
Well, that heavily depends upon factors like what kind of lifestyle you're living. For example, I save a shitload of money by not needing a car.
In general I'd say that someone who lives in my town and makes roughly what I do could save 1k to 2k per month depending on how much discretionary spending they want to be able to do. Possibly more if they're very frugal.
In case we're comparing to the USA here, Germany has lower wages and higher taxes but a lot of stuff is way cheaper, especially education and healthcare. My health insurance premium can't exceed 14.6% of my income, deductibles don't exist, and most procedures are fully covered – for instance, when I went to a hospital for surgery and stayed for four days, my total bill was 40 €.