Thanks for your advice, but unfortunately none of it applies to me.
I live in a country with a housing shortage and low housing affordability (40k would not even get you an insulated caravan here) and as a seriously chronically ill person unable to earn a living, my income is just under 50% of what my income would be if I were on minimum wage.
Thanks, it’s totally okay, and maybe your comment will help someone else in here who is in that situation.