S&P doesn't really help me since I've always been low income.

My grandparents are an example, but with 80% of the country living paycheck to paycheck, 50% deemed poor or in poverty, 1/5 children in poverty, 60% of the country hasn't seen a pay raise since the 70's when adjusted for inflation, and workers rights being crushed daily, it's not just my grandparents, the majority of the country is feeling it. There's a reason most Millennials are "not on track", and it's because they have no money.

What do I have to look forward to? I don't have money to invest in my future, and I'm a very frugal person. Cutting 2-5% to put into some sort of savings would crush me monthly. I feel like this is how most Millennials feel too.