Unless you are a high school or a college student, you should be able to save up enough money to buy both consoles later this year. cut down on avacados. dont upgrade your $1000 phone every two years. stop eating out every day at lunch time. Stop giving chipotle your money 4x a week. hell, cut cable and save up to a $100 a month.
Now buying multiple $60 games a month for both consoles might be tough, but thanks to gamepass you should be able to afford those $1 deals MS keeps offering to all non-subscribers.
if anything, MS buying from is a good thing because you can then play fromsoft games for $10 max. and if you are like me and cancel often, $1 max.
trade in your current gen consoles for $100-200 in credit towards next gen consoles. Buying two consoles is really not that expensive. the real expense comes from wanting to buy new games on day 1.