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[quote=Anonymous][quote=Anonymous][quote=Anonymous]What's stopping you from doing that now? Quit whining.[/quote]

NP here. I tried for 10 years to get a better paying job, but just kept getting offers for less than I make now.

Early choices in your career are really hard to overcome, and over 30 is close enough to 40 that additional education can be a real waste.

Through in some kids and few have time to start a company or take a second job. [/quote]

The offers were for less than you were earning because that was your market value with your existing skills and experience.  Higher-paying roles require different skills and experience, which can be acquired with effort and focus.  Just applying to higher paying jobs is futile unless you have made changes to make yourself competitive.

Further, spending and investing practices have a major impact on wealth accumulation at any income level.  The time value of money is significant and at 30 there remains the potential to obtain 30+ years of investment growth.  Even a modest portfolio can grow substantially over such a time period, especially if added to consistently.  See, e.g., https://www.investopedia.com/terms/c/compounding.asp  However, if one spends all one earns, the future will be a lot more bleak.  Live below your means, invest in a disciplined manner, and the time value of money can do wonders for you.  [/quote]

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