Do not be bitter pops. And no, I am not the 28 year old OP. I am a thirty something DSM that started from the bottom as a rep, at another company at the age of 21. I then worked as a trainer at that company and became a DM. 4 years ago I joined this great company called AZ and started as a DSM. Honestly, I am happy where I am at.
I have a house, a 1.4 MM 401K, shares at AZ (yes you can laugh but it's still shares), and I make in excess of 165K per year, combined base salary and bonus. You are probably bitter at OP because he, unlike you, has at least progressed in his career. If I was to guess you are over the age of 40 and still in primary care. You make a decent wage, maybe 130K or so, but you are still in pri ary care and very scared of next layoff because you have no transferable skills.
OP on the other hand has, at least on paper, specialty experience which could put him in a spot to gain an institutional or even account manager job at another pharma company. Something you would have a hard time getting even padding up your resume. By the way, I do agree that 100K is not a very good income. When you start making that per month then you will be in a different league.
How do I know? Well my college roommate started in a start up company that does SaaS, that stands for software as a service. He still is there and he makes 6 figures per month. We still hang out because we are friends, but he is definitely in a different league. He also works 65-80 hours per week, has no social life, and barely sees his son. So everything is sacrifice.
That is my 0.02 and take it for what it is from a thirty something DSM that is younger than you but could teach you a thing or two pops.