@Adam Mangrum Personally I don't agree but you have to tackle this the way you feel most comfortable. I understand opportunity cost but only to the extent that you are exhausting all your "opportunity". I believe in developing multiple streams of income, and, especially when you are young and presumably energetic, there is lots of time in a day to begin developing those streams. It doesn't have to be forever. I say this because it has worked for me. Over the years I have always supplemented my income even when I made a very low day job salary at a full time job. Just look at your hobbies and talents and you can find money all around you- I have tutored, prepared taxes for H&R Block, rented my personal residence, driven for Uber/Lyft, been a running coach, babysat, taken on a roommate, been a testing proctor, etc. In today's society with the Internet, opportunities are endless. You have an exercise physiology degree- I would look into personal training of some sort. Maybe lead an excercise group in your neighborhood. I have a friend who is a virtual coach. She gets paid to encourage people on an internet group who are trying to get fit. I'm thinking of a new job for myself right now. I could do debt reduction counseling. I could charge to help get people out of debt by encouraging them and being their accountability person!
Whatever you decide, good luck to you! You are on the right track.
