In a city where rent devours your paycheck and a casual night out can cost as much as a utility bill, living on under $50,000 a year can feel less like a plan — and more like a dare. But for many young New Yorkers, it’s not just possible — it’s reality. Across the five boroughs, scrappy 20-somethings are making it work on tight budgets , piecing together multiple incomes, cutting costs with precision and leaning on community to stay afloat. And according to financial experts, with the right