I was starting with aroud $45k usd before taxes. I live in Australia, one of the most expensive countries. But instead of complaining and saying that math doesn’t work I made it work. For years I was saving on everything, putting away every penny on managed fund. It didn’t give me huge interest but at least I didn’t lose on inflation. Fast forward 7 years and I’m about to buy two houses.
It’s all about mindset, dedication and knowledge. And no, this isn’t moving debt to the future. It’s working around the debt, it’s making the debt to work for you. Again, talk to a real money guy and he/she will explain you how it works.