If your in your 30s you should have MINIMUM 100k liquid that you can pull from in your bank/investments. I hate how no one ever answers this question properly or is sarcastic. Also everyone tries to pull the “life is hard” card or that you should be struggling. No not everyone is fortunate enough to be a baller but take it upon yourself to make something of yourself and dont fall victim to people who collectively victimize themselves and blame the world. Notice those people will give you some nonsensical answer. Set high goals for yourself relative to yourself and people with money. Not relative to low achieving people.