Perhaps this is naive of me but to have half a million in the bank and being miserable sounds like a pretty poor state of affairs. Time to convert some of that money into time and experiences.

I would guess loneliness is a big part of it. You don't have to be "successful" to find a life partner.

You're more likely to find one before you get rich.

I wouldn't know, but either way I don't think OP is rich enough to hamper their chances.

Image OP being in the same state of mind but with 20K in the bank. Now, that’s miserable.

Don't say stuff like that in a public forum there's bound to be people who fit that criterion reading this

I know people who are older than that and with less in the bank. They live on a sailing yacht and are more happy than most will ever be. They cross oceans when they want to change scenery. They haven’t seen temps lower than 20C in decades, living between the tropics and SE Asia, sailing along the way.

Besides that, isn't there a figure about the number of people who'd have to borrow money to cover a $1000 emergency? Something like 60% of Americans if I remember correctly.

There are people 50 years old with 5K who aren't as miserable as OP.