I’m 29, almost 30, and my situation won’t have changed significantly by then. My net worth is about -$90k. I feel like my salary will cap out at around $70k because I’m a mediocre developer and not very smart. Can’t get married, can’t have children, can’t travel. My girlfriend doesn’t even know how bad it is because I’m ashamed to tell her. I mostly just resort to escapism (reading, video games, etc) because the dread of not being debt free until my 40s is too much weight to bear. I don’t like programming, maybe because I’m not good at it, but it’s the only thing I can do to stay afloat. If I had no debt I’d love to go work on a farm or something.