When Your Money Is Clearly Not Enough, You Have Two Choices.

The first option is to become one of the top performers. At any time, the elite are never affected; there are always people who graduate with million-dollar salaries from day one. Just as no matter how many test-takers compete or how high the cutoff scores rise, the top scorer never worries about failing.

If you lack the confidence for that and aren't content with your current position, then another option is to go overseas. The real advantage isn't just about accumulating enough money to come back—it's that if you don't come back, you can enjoy a life of privilege locally.