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Not really financially constrained, but I also don't spend a lot on groceries as I just don't like wastefulness. Some tips:
Stereotypes about America get weird.
I base that assessment on my experiences visiting the USA, and what I heard from colleagues who lived there.
When I visited (Aspen, CO) the tap water tasted like dirty pool water. I guess it can be better in other areas. The bread was terrible as well, easily the worst I had in any hotel breakfast in any country I've visited. From what I understand, Whole Foods has some decent options, but is expensive. You can make your own bread of course, but that's a more time-consuming option.
You based your impression on a hotel breakfast buffet. That's bread designed to be shelf-stable, not delicious. Let me assure you right now, we have bakeries here, and not just in supermarkets.
If you think it's normal that a hotel breakfast buffet (in a very expensive hotel at that) doesn't serve good bread, I think it underscores my point.
Your point was that good bread (well, "edible") is hard to find in the US. It's not, though. Yes, we have bad bread too, and maybe you don't where you live, and that's great. But the existence of bad bread does not mean good bread is unavailable.
Food for Life sells exceptional bread. It's found in the frozen section. It's pretty expensive, but you get what you pay for.
I'm just chipping in here in the soda wars, a SodaStream is fantastic for sparkling water! Add a slice of lemon, or two slices of cucumber for fun.
I met a guy who bought a used CO2 canister, and built the gasification thingy himself, one charge lasts like 5 years...
It is true that, if you remove any joy from life, it becomes a lot cheaper.
Luckily, I live in one of the 10 best states for tap water. I'm not a big bread eater, so isn't really an issue.
No chlorine?
Good advice, but you missed pulses.
If bought dried and in bulk they're quite cheap while being very nutritious.
Canned pulses are a bit more expensive, but more convenient in handling.
Ideally you you have lots dried ones for meals you prepare with foresight and some canned once when it's spontaneous and you have little time for preparation.
Put canned tomatoes in the mix and you have nice and cheap phytochemicals on top.