idk man I graduated a decade ago and switched jobs every 2ish years and now my income dwarfs my expenses and I saved $100k+ for a down payment years ago. It's those raises from changing jobs, promotions, career development that paid off more than which ETF I stuffed my money into.

I don't live frugally or have roommates (except my wife who hasn't worked for years).

I've literally never had expenses so high I couldn't max my 401k, HSA, and go to restaurants, travel, buy fun stuff, keep an good emergency fund. And I lived in Seattle most of that decade. Also my job is super easy for me.

Crazy how much a degree from a midwest state school can do...