I understand the importance of living frugally and within ones means. However, shit is hitting the fan for a lot of people and even those who are responsible are having to get creative.
Are we counting on "The Great Reset?" The biggest FU to the banks, go down with the ship? With interest rates at stupid numbers and a financial collapse every 10 years, what the actual fu*k?
Whats the endgame?
Start a business. A little side hustle. Expense stuff to your business. Maybe you're using space in your home/apartment and your internet service for your business. It doesn't have to make you money, but writing things off can be money in your pocket and a little bit less to be laundered by the deep state.
Grow food. No property? Talk to your neighbors and see if you can lease or share a little plot. My wife and I have been blessed by the Lord to have met a women who has been leasing us 2 acres (up to 8) free of charge since 2018 with a written lease.
But you can start with just a raised bed or pots. If you aren't terribly urban get some chickens for sure. If we all participated enough in a parallel economy we could crash the whole system. But we have to do it now before everything is owned and rented back to us.
Hydroponic garden doesn't need much area at all and you can even do it with out pumps. Just PVC pipe, pool noodles and a cheap grow light if you cant put it near a window. Then get your seeds and make sure the water is ph balanced and fed.