My method is hoping that I'm just old and western enough that I'll be dead before the real bad shit hits me. I'm 35 though, so... let's say there's a smidge of optimism in there.
I spent my 20s basically in poverty. Whatever income I earned got sucked away by renting a home with insane heating costs, like $300 / month to keep the house at 55 in winter.
At 35 I applied for a government job in civil service. Fucking changed my life forever.