Personal tip. Don’t close your credit card after you fill it up on rent and trying to stay alive because it ruins your ability to get any other credit card for years. I had to get a card that has a $500 annual fee because I was flagged as a risk because I asked for my card to be cancelled so I could pay it off without fear of adding more to it.
This was also during my time where I only slept 2 days a week from my 3 jobs and school so I was definitely not entirely coherent. Couldn’t even reopen the card later.
Honestly since 2008 it’s been about cheapening the experience of being alive or getting cheaper people with no respite for anyone. We can’t all start doing better or the rich feel less rich and we see what happens when they raise the ladder with them.
I just emptied out my 401k cause I will never need it and it will never be enough seeing how the act of retirement always seems to be a rising level too.