All depends on what you deem a decent life and as for 'Living Wage' well that's an odd one.

My eldest lives in Guildford and is skint- what she earns just about covers her living costs.

Same money in South Wales would give her a decent lifestyle.

We started off in a tiny house and lived week to week for years and were just as happy then as we re now.
Money isn't everything- love, respect and friendship of those around you are far more important and the good thing is most of the time if you offer these to your family and friends you will get them back