I don't have the income to upgrade my hardware
What's your Internet connection like?
I've been using GeForce Now for Baldur's Gate 3 and it's been impressively awesome on a fiber connection.
Playing on a lightweight laptop with no dedicated graphics card with max settings for $19.99/mo.
I'd only sub while I had something I was actively playing, but probably the cheapest way to get to play on a 4080, there's zero lag in my case, and I'm not investing into a depreciating asset.
It might be a good way to play without breaking the bank on upgrading a rig, as long as your Internet is good enough you stream 4k video from streaming services.