What if I told you I was 35? 45? 55? Does your perspective on “not where I should be” change given my already stated negative net worth? I’m old enough to be wo

What if I told you I was 35? 45? 55? Does your perspective on “not where I should be” change given my already stated negative net worth? I’m old enough to be worried about being employable in this industry in 10 years. Do you not see how a 20 year time horizon for retirement, starting not from 0, but from -100k, is a source of anxiety? As for “doctor money”, according to https://www.medscape.com/slideshow/2018-compensation-overview-6009667 https://www.medscape.com/slideshow/2018-compensation-overvie... I make below the average salary for every physician specialty except public health & preventative medicine, and I’m several years older than the typical newly minted physician. I also live in an area where you need to make at least $80k or so to qualify for a 1br apartment, according to the “3x rent in gross salary” rule used by a lot of landlords. With my large, fixed expenses (student loans), I’m not convinced moving to a lower CoL area actually improves my bottom line, either. I’m not poor, and, like I said, I’m getting ahead slowly now, but I’m by no means rolling in it.