For someone thats supposed to be from the hood you always sounding very privileged when it comes to work and money. I just reached the plateau you are trying to hit this past year, am I broke? No. Am I to a point where I get to just fall back and chill

no I'm not
People have rent, people have student loans, people have hospital bills, sometimes people have cars that need significant repairs, everyone isnt privileged enough to pay a higher rent closer to their workplace, people live in different cities with different costs of living and their salary is directly related to that, on top of it all sometimes life happens and expenses you never saw come out of nowhere, and thats for single people. All those ifs in your post dont apply to the average working person.