a lot of it boils down to planning far enough ahead but the reality is that they need more of one or the other or both. i would suggest going on small, local adventures even if just for the night and you can keep costs down with things like car camping/hostels/couchsurfing, utilise holidays with pto to get more time off, visit places where you can stay with a friend nearby, go to low cost of living areas, pack/cook your own food, keep travels within a few hrs to max time, look into buy nothing
Instead of tshirts, sweaters, etc.- get pins for each area and only one clothing item with country/state name. go to thrifts, flea markets, etc (don’t be afraid to walk around before circling back to buy). I find having someone with you, increases luck of getting something for discounted price or even free.