Can't budget very well, or save at all if you make exactly how much your base-level living expenses are bud. I'm still eating ramen at the end of the month. What am I supposed to be budgeting here? Count out my bowtie pasta pieces more precisely to budget them? My generation simply can't live like this, it isn't sustainable, and isn't realistic to expect professionals to live in poverty. I barely have enough business casual clothes to make it through a single week cycle and buying more is a huge expense to me. Something bigger is going to have give, maybe a recession is what is needed to show people how unrealistic this is.
You didn’t answer my question about savings. Are you saving? If not you can and you should.
If you don’t have savings the first step is to come up with a budget. Send me an email if you need help it’s in my profile.