While the overwhelming majority of my professional respect goes to those who are builders at their core, I think you're using 'toast' in a way that demonstrably

While the overwhelming majority of my professional respect goes to those who are builders at their core, I think you're using 'toast' in a way that demonstrably includes six figure salaries. The only X-factor is how many (N < 5) years it takes to get there, without any real initiative or personal projects.