Your people are developing and improving themselves technologically, socially and morally. Usually, this culture is on its way up from Barbarism, rulers may favor some type of popular representation, and the people have much faith for the future.
Well-to-Do: These are the upper end of the middle or merchant class in Barbarian and Civilized cultures. They typically own larger homes, have a household servant (a cook and/or a maid), have private transportation, and sometimes travel abroad.
A vicious animal attacks you on a moonlit night. Friends drive the beast off, but you discover that you've been cursed with lycanthropy, to become a similar beast under the full moon. (work with your DM to determine details)