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Mediocre in what sense? It could be a self-image issue. Maybe you are underselling yourself? I've found a lot of developers tend to do that as they don't know their real value.

You should also consider your current market. Making 100k per year may or may not be a lot of money depending on living costs and what you need to cover yourself. It would be a huge salary in northern Europe but not so in the heart of Silicon Valley.

It's good to note that certain countries implement support systems so that you don't have to earn a lot and your family is still secure and supported by the government. It depends on the value system of the country and how it has been built.

To answer your question, I would focus on the following:

• Figure out what's wrong with the current situation. Why more money is needed? Are there other solutions?
• Instead of making more money, can you change the environment somehow? Is relocation an option?
• Consider your self-worth. Maybe you have skills you are undervalying or underselling. If so, this gives you leverage when you negotiate. If you cannot find anything, see if there's some specific skill or skillset you could try to acquire in the future to increase your value in the market.
• Assuming you already work with a company and the culture allows it, bring the issue to the table and discuss through it. If they are sensible and value you, maybe you can find something that works for both parties.