Set up your starting life
Every month is 2 seconds. You begin just after graduation in the US, carrying student debt and a head full of plans. This version is tuned so wealth grows slowly and escaping the rat race actually feels hard.
Big coastal cities pay more but burn cash faster. Smaller or Sunbelt cities are calmer but slower to grow.
STEM and business start higher, but any path can win with time, discipline, and a bit of luck.
Difficulty tweaks salary and cost of living. Family support changes your starting cash cushion.