You're in great shape!
We're 52 and 63 and don't have a lot, but we don't owe anybody anything and have health insurance (a large part of why we don't have a lot--hee-hee!), so we're happy.
As soon as my husband gave me control over all our money, we stopped having any problems!
Seriously, though, if you can pay your bills and have something left over, you're in super shape. Put a little away each month, and be happy!