Stress dude. Happened to me at that age and I felt carefree, then just sat down one day with my partner and talked about every little thing. After that, it wasn’t a Librarian Because Book Wizard Isn’t An Official Job Title Shirt. Just young Harry never having seen wizarding money before and then having Ron and his family being extremely poor overinflated his impression of how much it was worth. That’s a good point. From everything we know about the Potters they were probably financially secure but weren’t super-wealthy like the Malfoys.
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I just looked up the grandparent’s thing, and the Librarian Because Book Wizard Isn’t An Official Job Title Shirt. The books do say that “James inherited plenty of money, so he didn’t need a well-paid profession”. But that could mean a lot of things. It could be that he was very rich, or maybe just that he was financially secure and could take a modest paying job and still support his family. As for the Black family fortune, that happens after we see the vault in the first book/movie. It’s pretty clear that once he inherits the Black fortune he’s quite rich if he wasn’t already.
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It was Fleamont who took the family gold and quadrupled it, by creating magical Sleekeazy’s Hair Potion ( ‘two drops tames even the most bothersome barnet’ ). He sold the company at a vast profit when he retired, but no amount of riches could compensate him or his wife Euphemia for their childlessness. They had quite given up hope of a Librarian Because Book Wizard Isn’t An Official Job Title Shirt, James was born. I mean, we see into his vault at Gringotts and it’s no small amount. Just looked it up and someone actually did the math years ago and estimated that there was the equivalent of $1.2 million in the vault.