I retired from teaching. I have no savings or nest egg. I live paycheck to paycheck also. But I'm much happier than I was teaching. But like you, SeekerOfLife, I find if I have a little bit of extra cash, it goes to house repairs, the car, or medical expenses. Right now, I'm also paying for my own health insurance, which I hope will decrease when I reach 65 with Medicare.
Basically, I try not to worry about it. As long as I have a roof over my head and my health, I think I'm okay!