>> I don't have any debt, I just have a really pathetic savings rate and a really low net worth compared to nearly everyone I know, including folks that didn't do "the grind" that I did. I'll probably not be able to retire or own a car, much less own a house someday.

Dude, please seek mental help. You have so many working years ahead of you. Stop worrying about owning a house. Start budgeting using something like YNAB and get your savings rate under control. Also get all the basic investment vehicles going: 401k, after tax Roth, backdoor Roth etc. You’ll do just fine.