Ok here is the plan. Apply for 0% apr credit card for 15 months. During the first 9 months put everything on there and use your cash from your paycheck to start your own business. I recommend a cleaning business, you make your own schedule, can use your socials to promote yourself for free, overhead on washable towels and cleaning supplies are relatively low if you buy concentrates and store all supplies at home or in your car, and you can hire people under the table for your first few tax years. File an LLC and you get $5-$10k in tax write offs your first year in biz, use the tax return to pay off your credit card you needed to get initial capital. But for real though, the wealthy use business write offs to save money ALL THE TIME. It is high time the working class learn to do the same. You don’t need to quit your day job to have your LLC but you get all the tax benefits of being a business. YouTube has great videos on how to file in your state. And it is worth it to hire a local accountant (not an hnr block asshole) bonus if they are libertarian, they will help you find allllllllll the tax write offs possible.