>>414787874
Get a job.
The biggest hurdle will not be the VR setup, but the hardware needed to run it. If you already have a GTX 1080 or better, 16 GB of RAM and a decent processor from not too long ago, you can just get a Quest 2. If you don't have that, then you will need a good gaming PC first that can run VR
If your job does not pay you high enough to get a budget option like the Quest 2 then I don't know what to tell you.