No seriously if you don't plan on buying as much real estate as humanly possible over the next 3-4 years you should probably start looking into the tax advantages.
@PCBuilderJason HELP!!! I have a Streacom SG10 on the way, 1200W be quiet PSU, and 2x2tb Crucial NVME. I'm eyeing a 9950x3d but unsure what to pair with it MoBo, GPU, RAM, etc. Will be a gaming, editing rig
If you want to be successful you can't let anyone deter you from reaching your goals.
No matter what situation you are in today, no person can tell you what you can realistically achieve.