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Hot take, but it's both. I make $40k in a major american city, and while it sucks I have a decent amount saved up, I live alone, and I've paid off all my debt (although I'll probably never be able to afford a home).
To be clear, I don't think anyone should have to cut the corners I do to live with financial security, and not everyone can (my partner is disabled, financial security is a pipe dream for them), but it isn't impossible for most people.
I make $40k in a major american city
I hope you have healthcare, because that sounds terrifying.
My own mother has been talking about leaving town and rather then selling her house, her plan is to rent the house out survive off the rent she collects.
on its own that wouldnt be outrageous, if it werent for the fact my mother is extremely irresponsible with money and her lifestyle and bad habits are essentially going to be paid for by someone else.
its opened my eyes on landlords.. a lot of them dont work, and they dont even do the minimum for their tenants. they just expect to get paid.
They now have services that are essentially landlord insurance where they will perform any service for you that needs to happen for a set price for low maintenance properties.
I paid $750 for a 2br 30 years ago. I pay $850 for a 3br now. I used to live outside San Francisco, now I'm in Ohio.