I started work at 32. My job was paid for 1.8K, after almost 16 years, I am still a middle level manager with a salary at 12K, with AWS and 1.5 month VB (I guess, since I just joined the company).

So I am 48, no wife, no kids, no house, is still in debt with many banks (around 90K) due to gambling. FYI, I am not intent to clear the debts, personal preference.