So I have 3.21 gears and want 35s how soon can do I have to change my gears, what should I change them too, and how much will this all cost
I could be wrong so verify. But with 3:21s you will prob need a bigger carrier.
With flat fenders, wheel spacers, and a bb or leveling kit you can run the 35s. You will feel the sluggishness but it can work until you get the funds for a gear change.
Flat fenders are free.
Leveling kit generally a couple hundred bucks
Wheel spacers under 200
You could look for some 4dr rubicon take offs for less than 100 bucks. If the numbers are right, you may gain an inch and a half. Add some coil spacers for under 100 bucks, then add wheel spacers for under 200 bucks. This would prob save u money.
Gears can range in price and labor, but around 1000 on up. New carrier, if needed, prob a couple hundred bucks.
These are estimates to give you an idea of what to expect and what you may need.