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I don’t think you have to spend a lot of money for privacy. Most apps and services are free.
Protons free tier is pretty strong, and their main plan is only 10€ per month. But you could also use PGP for email and Mullvad/IVPN for less.
Maybe unpopular opinion but I think most people don’t need a VPN and email isn’t meant to be private. Use Tor/I2P when you need maximum privacy and avoid email as much as possible.
Depends on what you are doing, but 0x0.st is great and minimalist.
Apple Keychain OTP