From the tone of your responses in this thread, you are definitely comparing your financial situation with your peers of the same age but at the same time you a

From the tone of your responses in this thread, you are definitely comparing your financial situation with your peers of the same age but at the same time you aren't getting paid like them and you have given up pursuing similar opportunities like your peers (or you missed the boat..) There are a few ways to increase your net worth: Spent less, move outside bay area. Go work at Faang, but make sure you a++ the interview to negotiate higher pay and make sure you have competing offers as well. Kinda like hoping the stars align. You can work day job and make money after work. Consulting, babysitting, dogsitting, sell cracks, online business, mlm, sell dreams (buy my interview preps to score 6 digits job), etc. Jokes aside, welcome to the new phase of your life. This is when nobody can tell you what to do and no one can help you to decide what's best for you. Only you can decide what's best for you.