Based on the information provided, it seems like you might be underpaid considering your age and experience. While it's great that you enjoy the current job content and the company culture, it's important to ensure that you are fairly compensated for your skills and experience. A salary of 3.5k for someone with two years of accounting experience at the age of 26 does seem relatively low compared to the average market rate. Your concerns about your salary not meeting your future financial needs and the potential lack of opportunities for salary increment without job hopping are valid.