@ChikaFujiwara @djsumdog @Godcast There are incremental things you can do to budgetmaxx, like take a hard look at both income and spending, try to understand where every penny goes every month, then think of both small and big changes you can make to eke out even just a small surplus by the end of each month, which will eventually give you enough savings to make even better long term decisions like paying for car insurance every 6 months instead of every month.
But yeah overall it's fucking terrible and even after doing the above, you cannot escape stagnant wages for 40 years without changing your career.