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We're probably in a similar boat, although I really enjoy my job.

Keep at it, don't give up. When I started my first professional role at 23 years old I was making less per hour than when working in the service station that helped pay my bills when I was studying. Things are very different now, though.

How about you? How much do you make pa?

No way my wife and I could have built our investment portfolio without our degrees (both undergrad and postgrad), simply because the income we have makes it easy. For everyone who drops out of uni and succeeds spectacularly, I reckon I could show a thousand who don't. Financial intelligence...