Learn English – What’s a word or phrase for someone who has worked hard all their life

How about favoured (or favored if you're American)? To me that implies that you've received a lot, without specifying money, and also without implying either way whether you're deserving or not.

There is a concept in psychology called self-actualization. It was described by Abraham Maslow as

"the desire for self-fulfillment, namely the tendency for him [the individual] to become actualized in what he is potentially. This tendency might be phrased as the desire to become more and more what one is, to become everything that one is capable of becoming."

You might consider self-actualized