The only guideline I suggest for this discussion is that your answer be something that isn’t free.
I’ll start. I’m grateful for having a good health insurance plan through my job.
I’m grateful that we could send our daughter to college without loans.
Until I saw your qualification that it can’t be something that “isn’t free,” I was going to say, Not having to worry about money.
I’ll say, a nice house in a good neighborhood.
I’m going to play this a little differently. The one selfish thing that I’m glad a little more money makes possible is my Botox!
Being able to travel.
I second travel - to see our grandson often 
I have mentioned a few times on CC about how often my extended family gets together every year and because of that we are very close. We wouldn’t be able to travel to see each other if we didn’t have money.
More importantly, my kids’ K-college private education.
Being able to live in a nice neighborhood.
Fresh fruit.
Growing up, we didn’t always have food and fresh fruit was a huge treat. Even though I’ve been able to afford fruit for over 30 years now, it still always feels like a wonderful luxury.
Being able to retire someday.
Fresh fruit and heat. I’m too old to freeze and I refuse to do it anymore.
Mostly, I’m grateful I have enough money not to worry about money. I spent college and the early marriage/parenthood in that position, and it’s horribly stressful.
Just not having to stress about expenses.
And…having health insurance.
I’m very grateful we allowed our kids to graduate from college debt-free and can support a loved one with chronic health issues—for a lifetime if needed.
Having good health insurance has been very helpful as well.
Knowing we have “enough” allows us to sleep well at night.
Sorry, couldn’t choose just one item.
First thing that came into my mind was wine. When we were struggling, it was a luxury to buy OJ, and frivolous things like soda and wine were very rare treats.
Health insurance.
No student loans. A year or so after college, DS asked why he didn’t have loans. (Apparently he didn’t think much about it for the 4 years we were paying.). I explained it was a combination of saving since he was born plus contributions from Grandma. He expressed many thanks.
Now I guess it would be being able to live where we want and having a pool. And not having to worry about the future thanks to my parents having put their money into mutual funds.
Ditto on the no student loans for my kids. My parents did the same for me and I’m happy to pay it forward. I know (and my kids know) that it gives them a leg up in this world and we are appreciative of that. They have friends who are saddled with debt so they understand the gift they’ve been given.
It’s hard to pick just one as there is much I am grateful for but that’s probably the biggest one.
Someone to tend the lawn. He’s a pro, my lawn is small and not perfect, but he does all the thinking and doing and keeps to a schedule. And his team really communicates, if I have a question. Every so often, I think about the cost, but it’s worth it.
The meds that keep me alive.
Good food for my kids. I am truly grateful every time I go to the store that I can buy healthy food.