In short: build things you are interested in with people who are also interested in those things. Don't call it a startup at first; just make projects.
Investors don't invest in projects, they invest in businesses.
Without investment, you might not have enough money to pay your next months' rent or your next hospital bill.
If this doesn't apply to you and you can hack at projects without financial concerns, great, but you're already in the privileged group, like PG himself, and disconnected from the reality of 80-90% of people.
Angels invest in projects.
Sure but living in Bumblefuck, Arkansas you'll be unlikely to find a good cofounder. Oakland is cheap but you might get shot. Places with BOTH peace of mind and talented people cost money.
> Live with family.
Families are often toxic and unsupportive of doing startups.
> Cross a border if needed.
This however is actually a good suggestion if you go to the right places.
2020 happened though. Why do you physically need to meet your cofounder? Maybe make a million then treat yourself to go see them!
If you're 100% focused on your startup and trying to make a living, then it's a different story, I agree.