> I’m 38 years old and I just had to ask my mom if I could borrow money [...] potentially spending the next 50 years without stable income

Without stable income it might be more like 20 years. (I wish you personally a long and bountiful life!)

I'm in a similar boat. As a 3rd child in a somewhat poor family, I do not have any inheritance and actually need to help my mom financially (though it's not a burden). My wife is also from a rural area and her inheritance is barely worth 5 (hypothetical) figures. We never got or will get anything given to us for free. We are in our 40s and we completely gave up on having children (though it was not overall a financially-motivated choice) or property (this one certainly is). Live day to day while I can work, and die without regrets when I cannot anymore. Thanks to AI that happens probably sooner than later.