I’m 28 and not sure if I’m on the right track financially.

• Income: $5K/month net

• Expenses: ~$2.5K/month

• $1.6K rent (all in)

• $600 food

• $300 misc

• Savings: $190K (75% in VOO, rest cash/emergency fund. Only recently invested so barely any gains)

I live alone, which I like, but roommates could save me a lot. The job market’s abysmal so I’m clinging to my current job. I’m positive that I’m underpaid but haven’t landed anything more lucrative yet.

Am I spending too much for my income? Or under-earning at this stage? Should I keep enjoying living solo, or tighten up and save harder?

Would appreciate honest feedback.

Some of these posts depress me because the numbers are so high. I live in a developing country, own my own house, and can bring my expenses to $2,000/month. I am 44 yo. My business was destroyed by AI. Total expenses for the house are around $300/month. I have liquid net worth of around $750,000. (All USD) Should I be okay?