I felt that I achieved “decent” when I was no longer crying every payday because I already didn’t know how I was going to survive until the next one. These days I might wince, or heave a heavy sigh, or worriedly chew a fingernail, but I’m no longer in a constant state of crisis. I can only check off about half the things on your “decent” list, but it’s good progress from where I was a couple of years ago.
(Brushstrokes: I make 27k a year and live on the outskirts of a metropolitan area, so I guess medium cost of living? I have considerable student and credit card debt, as well as rent and a car payment.)