How is this an American problem? Seems like that’s just life to me. And having lived in Germany, I’m certain there are worse bureaucracies out there.
Meanwhile, I went to college to better my life and ended up a slave
I'm not quite there yet though.
I obviously don't know your situation nor how you handle your finances. If you have the time to spare though, The Millionaire Next Door is a interesting read on exactly this topic (how some people with high incomes don't seem to be able to save a lot of money, while some others actually manage the inverse). Not saying that it'll fix your situation, but it might provide an interesting perspective. Best of luck to you in any case, I'm sure you'll get through it.