I'd rate mine about a 5.
I have a well paying job but it's mind numbingly boring with no room for development or promotion.
I am half way there to having enough for a deposit for a mortgage which isn't bad but most people my age, own their own place already.
I still don't have a driving license and every time I think of booking lessons, something always gets in the way so that I can't afford to spend the money on them.
I feel trapped in the Country I am in (tiny, little, claustrophobic island) but feel I can't leave because my parents are getting elderly and I'm too scared to leave them.
I'm the wrong side of 35 and single and I am STILL smoking, at least 10 years after I vowed to quit but I just don't feel like I have anything to quit for (I know, sounds ridiculous).
I guess the plus 5 points I gave myself also relate the 5 I didn't give myself. I do live in a holiday destination, I will own my own place this time next year, I don't have a stressful job and I don't have to compromise with anyone about the way I live.
I think if I ever found someone, I'd give my life at least another extra three points.