So here’s some things to think about that may help you out.

The biggest thing you can do to help yourself financially is to cut down on expenses and work your way out of any debts you have.

Take a look at your bank account activity and just write down how much percentage of your monthly income is going where. If you have monthly entertainment subscriptions like Netflix or patreons multiply that sub cost by twelve and ask yourself if its worth paying $ each year. Cut down on your spending as much as possible dont buy anything unless you really need it.

What I’m going to say next is going to be controversial especially among the lemmy crowd, but its a way to financial freedom you might not have considered.

Your biggest expense is almost certainly rent to your appartment. Take a look at how much money your paying to your landlord each month, and ask yourself how your financial life would look if you instead poketed that money and paid yourself the “rent”. If you were your own landlord.

The secret is, your car can be a home that you own. Yes you heard me right, I’m suggesting that you move out of your apartment into your car while still working and pay yourself all that rent money, use it towards working off any debts you may have and pay off the car loan. After all your debts are paid and you own your car you build up a emergency fund nest egg of 3-6k and set it aside. After that you are financially free compared to most people living paycheck to paycheck in their appartments and the world is your oyster. You can upgrade your car to something a little more spacious and or travel your country sight seeing, working seasonal jobs , doing a little soul searching.

The sad reality is that many people every day especially the elderly living on meager SS are forced to choose between paying rent or not starving to death that month. Inevitably they choose the latter and are forcibly lead down that path of living in their car with no choice in the matter and little time to physically or psychologically prepare after the eviction.

Yet they manage to find the mental strength to endure, adapt, and thrive. I invite you to check out the YouTube channel cheaprvliving hosted by Bob wells. He does interviews with vandwellers who are more often than not older people fallen on hard times and shares their stories and builds. As well as practical guides to everything you want to know like how to take baths, use the bathroom, keep yourself warm, generate power for basic appliances and AC. Some of his older videos that share his personal story are very inspirational I like his quote videos too.

Of course this option has its own cost. One for sure is comfort, especially starting out. Its such a radical change in lifestyle that requires adaptation and an open mind.

If you have a family or even a partner that makes it a lot tougher than if its just you.

How much would you sacrifice for financial freedom, to not live paycheck to paycheck, to have money no longer be such a huge master of your life? do you think convinence and luxury are a price you could pay for that kind of freedom?

My final suggestion is this: an attitude change. Reading your post I get a serious “cant, won’t, dont know how” self pitying vibe. Its never too late to learn something new, or to go back to school, or develop a trade skill. The barrier to those things is usually a lack of motivation and purpose in life. If you dont know what your living for or why your doing it, that’s the core problem. All that other stuff is symptoms. And there is no silver bullet cure all suggestion to finding your own meaning in life that’s something you have to reflect on and think about. Anyways hope this gave you some food for thought.