Just read a story a while ago about why the employer won't hire an underpaying worker because it's too easy and unstable for them to just quit the job without an excuse to do something else matters in their life and that is why the price is not underpaid... anyway I was thinking that I'm underpaid so, yes it gonna takes time to build yourself and until then the pay doesn't matter as long as it keeps you breathing or there should be a more efficient, friendly way to keep our breathing without the hype of investments to sell/buy goods that brings questionable values to our future of sustainability and the humanity.
(Ok just working for the possible solution of the question mentioned above with my mentor and the small developer team and I'm definitely a programming newbie : https://revpub.gcdo.org/