Hah.. yeah young people these days have so much $$. When I was 22 and just started work, my net worth was negative

Assets
Amanah Sahams - RM2k
Cash in bank - RM3k

Liabilities - RM55k student loan

Income: RM2k/month before tax, EPF and loan repayment. After all those... net income RM560/month
Car: 10 year old car (borrowed from father) but have to pay for all maintenance cost.

That time I seriously regretted giving up a USD35k/annum job in the US to come back and work in KL. But in hindsight it was probably a good thing I came back to work and gain much experience here.. Took advantage of the job to learn a lot about running a business (from my big boss), and used that experience to improve my lot.