My Dad worked construction and had to take early retirement due to arthritis in his back. They still had one kidlet left at home so my Mom went back to work for a few years. I believe they lived on $1,200 per month from Social Security. My Mom was on a million prescriptions which was a financial burden and eventually I contacted all of the manufacturers and got her meds delivered. My sister paid to have a house cleaner come in every other week. They shopped at Aldi's. The most remarkable thing? They NEVER complained!
All of their six kids did what they could. One brother came to visit every week on his lunch break, often bringing a pizza or Subway sandwiches. He would change a lightbulb up high that they couldn't reach. Another visited each Sunday, usually taking them out to dinner (when they could still get out). All of us would buy them restaurant gift certificates, or new glasses, or a dental bridge or whatever they would not have the $$$ to spend.
So why could they always be so happy while worrying about what would hit them next? Because they realized there are so many things that money can't buy.
They so enjoyed family, friends and their church. They remained active by making crafts to sell at the Golden Hobby Shop, pursuing individual hobbies (Dad was THE gardener and Mom an artist), volunteering at church and for many, many years ... hosting the family gatherings.
Neither of them attended college yet they had more common sense than any world leader I can think of. As I read the list above ... my Mom and Dad had every single one of these traits. And money didn't buy them.