

I was you until about 3 months ago when I discovered Microsoft sells cloud services to the IDF. Political motivations aside, I would encourage you to try out a KDE plasma linux distro. It’s laid out pretty much exactly the same as windows 10 and bazzite worked for me out of the box even with a relatively rare gaming laptop build.
I don’t know if this applies in the US but multiple people can take out a mortgage against the same property. If you have 3/4 trustworthy friends then you can pool your money to buy a place. It’s complicated but better to invest your money in your own property than to line the pockets of cunt landlords and letting agents.