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[quote=Anonymous][quote=Anonymous][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, [b]which can be acquired with effort and focus.[/b]  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]

I addressed that. I would need to basically change careers and build a whole skill set and hope to be eligible before I’m too old or the market is saturated (considering snapchat, Google and Meta are talking layoffs and hiring freezes, OP may not want to go CS route in her 30s).  On top of the fact I already had a job and a family.

Life is way simpler when you know to major in a lucrative field young before kids and while in school; I followed my passion went to a great school in hard sciences, but didn’t consider how much it would pay and like Op have similar regret. But I’m your 30s it’s very hard to pivot without a good deal of luck of basically ignoring your family.

[/quote]

Software jobs plummeting

https://www.businessinsider.com/software-job-openings-continue-plummeting-for-23-weeks-in-row-2022-9?IR=T[/quote]

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