Only hold an amount in fiat currency that you will need to pay for your expenses and debt to be paid. Save the rest and exchange it into investments. This way you are avoiding fiat devaluation due to inflation. Meanwhile, reduce your living costs on its fullest, until you have a decent monthly income through your investments. Many people reject this concept, but that is the solution if you want to reach somewhere better on long term, otherwise you are just going to spend your entire monthly wage month after month for nothing...

Is it ideal? Should life work this way? Of course not. But there is a big difference between how it was supposed to be and how it really is, so we have to adjust ourselves to the harsh reality of our days. We don't have control over how society works, as we are just a little grain of salt, a small gear of the great mechanism, therefore we have to do the best we can on the micro sphere of our existence.