VMs aren’t remotely that expensive to run. You basically just need hardware that supports virtualisation and GPU passthrough. The virtual totality of the servers you interact with on the internet are VMs.

All earned with hard work, my brother. Trust me, man, complete whatever college or school things you have left, and after you’re set, treat yourself.

Pro tip though: Hold off on getting kids or building family. Give yourself some time to relax and enjoy life for a decade or so and go absolutely ham!