8-5 job means you will have time to build on your side income. if you can get 1k passive income a month (e.g. tuition, investing, small biz), you will be a lot better than your peers. Take advantage of that and you will be a winner. And 41k annually ofc not loser la lol.

May I ask what industry you are in? Cus for an admin support role, your pay is not bad alr.