Hello friends,

I come to you today to discuss the financial progress from a net worth of $0 to one of stability, investment appreciation, and market value. I have done considerable research but would enjoy some outside perspective on what I can do to not only improve my situation, but begin a path of considerable growth.

Here is my current situation:

Age: 23 Education: Bachelor's Degree Debt: None Car: Paid off Current monthly net pay: ~$3000 Retirement: ~$2500 Full Months Expenses: $1300

From my research it seems to me that considerable net worth growth comes from:

1. Good Investments
2. Entrepreneurial success
3. Further education

Currently, my monthly net pay is about 2.3x my monthly expenses. This has been good for establishing a savings account and in general putting money into my account... However.

My job comes with many restrictions. First, it adds $200 to my monthly expenses (parking, gas, maintance) and requires 10 hours of commuting per week. I am not allowed to contribute to my retirement account, actively trade, or have any outside business ventures, essentially cutting off all options to increase my income. As well as this, I have no benefits including unpaid holidays and no sick days.

My questions to you are:

1. Is a lower paying job worth the external benefits listed above?
2. Do I have any specific options to find higher pay, and less regulated?
3. At my age, what should I focus on to improve my future situation?

Thank you for reading!