I haven’t moved to a privacy OS on Android yet because of money.

That’s entirely reasonable. You can still block most ads if you want to:

• You can use a web browser that supports extensions. That includes Firefox and its various forks, and perhaps surprisingly, Microsoft Edge. uBlock Origin is still available for both, despite Edge being Chromium-based and Google trying to cripple adblockers there.
• You can use web, rather than app versions of most services so that they’re covered by the browser’s adblocker.
• You can use DNS-based adblocking to reduce ads where you need/want to use apps that display ads.