The U.S. is too expensive nowadays

A cost of living calculator based on the 50/30/20 rules for saving and spending in many areas for a single adult that a comfortable income is somewhere between $100,000 to $150,000 at minimum. For a family of four the comfortable income level is $200,000 to $300, 000 at least. To me that is crazy. Many people don’t make that kind of money and are struggling to make ends meet. Everything has become ridiculous including healthcare, housing, higher education, energy, transportation, food, and other necessities. How do people live? Even if they live frugally they are still struggling. My sister was struggling to make ends meet in a lower cost state of Tennessee with no state income tax but after federal taxes she had to be.very careful. My parents make a dual income in what I suspect is like at least $ 150,000 annually judging from looking average incomes for their professions in this area. But still they are careful sometimes with their spending. They might even make $200,000 annually. We live in a small town so housing though expensive is not as expensive as a major metropolitan area. But I feel like when my grandmother was showing me how expensive her and my grandpas groceries are because we were talking about how things are so expensive and how I eventually was going to live on my own and how I felt very disappointed in myself for being on disability benefits and I would find it very hard to hack a full time career of 40+ hours a week. Some people even work 50–60 hours in a week that’s insane! I mean based on what I can do before I I burn out I could probably handle 20-25 hours per week. On a really good week maybe 30 hours or the equivalent. My sister told me life is too expensive to live off part time work. My parents want me to keep my disability benefits and work part time in case my I have a relapse in mental health and yeah now the cancer though it should be gone after a little more radiation therapy. If I make too much I also lose my government health insurance. Then I would have to pay several hundred dollars a month for health insurance coverage instead of having an employer picking up the tab for most of it. I feel like I could make enough to partially sustain myself so more than what disability benefits would allow, but also not enough to be fully comfortable even if I live frugally within my means. It’s a frustrating situation to be in. I can only make up to about $1500 dollars per month before my benefits get cut off so that is like only $18,000 per year. I can’t save money in the bank in my name because assets of more than $2,000 would make me lose social security. I also would lose affordable housing if I made too much money. To start off I would need. Subsidized housing with a voucher to get my feet wet while transitioning to living on my own. I live with my parents because I can’t afford to live on my own yet. My sister also moved back home after quitting her job with no room for advancement. And being driven mental by her job role and getting raped. Also I am in the process of learning life skills to take care of myself while living at home. I probably won’t leave my parents house for a few more years. I don’t think I’m leaving me here before 38-40. They are not selling this house before retirement. Anyway. I have a lot to learn before I live on my own. And part of me doesn’t want to live in department of mental health housing because I will be checked up on and my place will have inspections occasionally. My end goal is to live completely on my own without getting checked in on and simply go to my therapist and psychiatrist regularly. Living on my own with supports would be the transitional step before living completely on my own. Also I always wanted to live in a house on my own not an apartment. But an apartment is all I can get with DMH housing. Other states have department of mental health too and if eventually I could move to another region of the United States I would. I don’t want to live in New England my whole life. I would hope to be able to drive myself around again in the future with a car. I wish for so many things like being able to get.a rv motorhome and. Travel around by it. For a few weeks to few months at a time but I would have to make that a couple of weeks to 3 month tops at a time because I think after 90 days I would need to pick up my prescription medications at a local pharmacy because I think the most they do is 90 day fills. But I need a lot of money to buy an rv motorhome or a converted bus Skoolie home. I imagined long ago buying my own plot of land and building a cob, straw bale, or adobe house cottage on it. Or even having a tiny home cabin on the wider and bigger end at around 500-800 square feet a portable cabin. It seem like these dreams will not happen realistically. I wanted to settle down after traveling the country and the world with alternative housing arrangements like housesitting.so I wouldn’t have to pay full rent prices for living. But I have never even taken a bus or train on my own or done anything.on my own. I have never traveled alone. I haven’t even lived on my own yet. And I overpack for traveling because I need to bring a lot with me. I don’t think most of my dreams will come true. Between eventually going back to school to finish my higher education and and only working part time I can only afford so much. I will need Pell grants and scholarships and funding to go back back fo school. My parents offered to help if it’s one course at a time and on campus. But I want to finish school online. And I will pay for part of it with a part time salary I make. I just feel like my dreams are dying. I identified some programs that will help me complete my bachelors and masters but the vocational rehabilitation commission makes it that it must be an in state school to fund when the online degree programs are from out of state that I found. I also want vocational certificates of completion and diplomas on top of my degrees. An associates degree is not enough. I’m still having my parents pay back my student loans even though it is getting closer to being paid off. I will never take out more student loans and get myself into debt ever again. I feel pessimistic about what I can do with my future. I’m 33 and I feel dismayed at the limitations that I have in my life. I wonder how I will ever afford anything later on. I would be lucky to make $30,000-$60,000 a year. I would be even happier if it was $50,000-$100,000. If I made $150,000-$200,000 every year I would be overjoyed. I wish I could make it big as a writer and earn $250,000-1 million dollars every year. I would never have to worry about money again. I don’t need millions of dollars or even a billion dollars to be happy. I would be ecstatic with an upper middle class lifestyle. I don’t want to be on disability.benefits to be honest but it seems like making it on my own is getting further out of reach without at least some partial help.