[1] tells me a $350k mortgage with a 10% deposit, paid off over 15 years, costs $2,585 per month. That's $31k a year.

That kind of income with that kind of house price should be pretty comfortable, given you don't mention supporting a family. If your non-housing bills are costing $109k a year, there's a good chance you could reign in your lifestyle choices.

[1] https://www.bankofamerica.com/mortgage/mortgage-rates/

You'll own nothing. And you will be happy (using pills and medicines)

They were quite serious about destroying society as-is. Nobody took them serious

Credit cards aren't a fixed cost. Spend less.