Yeah, tier 1 is basically dead margin-wise unless you got crazy landers. Here's what's been working for people in my circle, nutra and finance both:
Eastern Europe is still the sweet spot for nutra. Poland, Romania, Bulgaria, Czech Republic. CPCs are a fraction of US/UK, and people there still respond well to the classic before/after weight loss and joint pain angles. Romania especially is underrated.
Southeast Asia for finance offers, if your funnel supports it. Philippines and Vietnam have solid finance app conversion, just make sure your landing page loads fast on mobile because that's basically all the traffic there.
Latin America, specifically Mexico and Colombia, has been quietly good for both verticals. Nutra especially, weight loss and diabetes-adjacent offers do well. Payout's lower than tier 1 obviously but so is your CPC, and the margins actually hold up once you optimize.
Gulf countries for finance, if you can afford the entry cost. Saudi and UAE traffic isn't "cheap" exactly but it converts very well for investment and trading offers, so cost per click doesn't matter as much when your EPCs are that high. I hope this helps, buddy!