>>60507616 (OP)34 here, i have 650k, and i did lots of things "right" financially.
worked throughout university, got a degree in tech, and graduated with 20k in saving.
lived with roommates for years, took public transit for years, ate cheap for years, never went out.
not smart enough to get a FAANG job, started out of school making 53k/yr, making 80k/yr now.
living on my own now, eventually bought a reliable japanese shitbox car which i still drive, order food more often now, but overall i'm still about to invest about 40% of my income.
even if i lived financially "perfect", staying with parents and took public transit, and never ate out, I might have an extra 200k-300k.
about 90% of the people i knew grewing up in school and university were less competent and even less financially responsible, so you're probably better than them with 350k, i'd guess you're 75-80 percentile.