"At the age of 29, I've likely forever lost the following opportunities due to cost and probable inability to make up for lost wages and career potential:

- Getting married.
- Having children.
- Studying any more, whether that means grad school, law school, or even just night classes at a random community college."

So let's go through this step by step:

1) Getting married doesn't require money if you find the right wife, the kind you REALLY want. My wife and I were married by a justice of the peace in a living room with nobody watching. Why? Because we didn't have money, and post 2008, our families didn't either. We "eloped" so that we could be the bad guys, and eliminate the guilt from our families about not being able to pay for a wedding. It worked great. Her parents and mine felt zero guilt, although there was temporary anger towards us. Having zero guests made sure there was no envy between relatives, and all is well now.

2) Having children: Interesting how white, middle class people think having kids is the most expensive thing ever. It's not. My wife was considered to be so infertile that the Dr. wouldn't even prescribe her birth control. She wasn't even having periods. She got pregnant through some crazy and awesome quirk, and we became parents when we hadn't planned on it at all. At first we freaked, but then when I met neighborhood kids (El Salvadoran) in the barrio (very safe by the way) we were living in, and realized how well they were doing in school, life, and health, I realized you don't have to be rich to have kids. You just have to be smart enough to realize that kids need love, patience, shelter, and food. They DON'T need $800 strollers, $400 cribs, a nursery, NEW clothes. NEW anything. You can get all of it at the thrift shop. I make decent money now, but I didn't then. LEARN from immigrants. You live in fucking Canada, and like the U.S. your nation is filled with people who know how to stretch a buck and be happy. Your parents didn't know how to do either thing nearly as well, IMHO. (I'm speaking generically about the baby boomer generation, who I think as a whole were shitty savers and rather shitty parents. I exclude my Dad from this, because he taught me to live on the cheap my whole life.)

3)Studying any more: If you think that law school, or grad school are what it takes to get ahead from your situation, you are a fucking fool. Both are rip offs even IF you HAVE the money and time. You are much better served by going to night classes at community college (provided you have access to one that works with the private sector business community to train in valuable, marketable skills). Or you can go online and educate yourself in the arcane technological arts which are guaranteed to get "your foot in the door" of a business. I got into my field as a lowly programmer. Now I do IT strategy, data governance, business analysis, as well as the fun techy stuff that I choose to focus on. Point is this: if i wanted to, I could just be the business guy that most people want to be. But I got my foot in the door on a weird skill that universities suck at teaching in a time and cost efficient manner. Where did I learn said skills? Online classes that cost me $300 a pop. A total of 4 over the course of a year. I attended a major university. I loved it, but compared to the new generation of online education, it was a fucking rip off.

Stop whining, and start learning from others who have made a life for themselves. We are not the baby boomers. The house in the suburbs doesn't really make sense. Kids don't need their own yard if they can go to a park that's the size of a 100 yards and filled with 100 kids for them to play with, instead of 1 yard where they play by themselves.