If your cost of living is more than you can afford, you need to be more frugal and more modest. If you are living better than a kollel family with poor connections, no supportive parents and a spouse who spends most of her time doing childcare, you need to cut back expenses.
If you like economics, businesses and math, accounting is fine. If you want to get filthy rich, you’ll have to move over to management. Pays well but is soul crushing. Note that if Ha-Shem really wanted you to be rich, your parents would have left you a trust fund.