Penis envy was a term coined by Freud. What it was referring to was the resentment that girls feel in relation to their socially and physically inferior state compared to boys.
I appreciate that many have tried to adapt Freud to the modern world. But the reality is that Freud was dealing with a client base of wealthy middle class 19th century women who were reacting to their preposterus lifestyle by becoming neurotic. He did attempt to apply his theoris to psychosis with disasterous results. It developed into behaviourism which resulted in about 50 years of psychiatric patients being teated like naughty school children, being punished with ECT, mind crippling drugs, confinement, even in small spaces. Fortunately, that phase of psychiatry seems to have passed in most of the world.
If I may suggest, try not to annalyse yourself. And try to avoid using terminologies that are more appropriate to someone's bank balance than to the realities of human experience.
