I can understand seeking to improve your lot over the next couple years. But I encourage you to think instead about the next 20+ years. What would make you a

I can understand seeking to improve your lot over the next couple years. But I encourage you to think instead about the next 20+ years. What would make you a valuable contributor in that time frame? Much, much more education. Self-taught/experience along might have worked in 1980's-90's, but 2035 will demand deep training and initiative. So don't just do your future self a favor; make a life-changing commitment. If it seems not financially feasible, or you don't actually know what you want, just realize: (1) the longer you wait, the worse it gets (and the more confused you are); and (2) when you make that commitment, you'll start to put everything else into place. The commitment is the hardest part. What might get you off the fence? Think of the coolest thing you want to see in the future, and work towards that.