When talking about how expensive it is to live, what do you say to people who tell you: “start your own business”, “no one is forcing you to work”, or “just get a better job”?

What is the best response to people (mostly boomers it seems like) who always say stuff like this? I feel like every time someone says this to me, there’s so much to dive into that it’s basically an essay. They have no idea what it’s like out here for young people. I kind of cringe at this point.