All your points I lost belief in early in my career. I’ve got no certs, just a little bit of college education. I think I’m considered a millennial. So far, I’ve been right. I have 2 jobs, one of them I make >130k a year and the other >40k. I’m not working that hard, if I’m being completely honest. I also have a lot of costs and it’s still only enough to live pay cheque to pay cheque.