How much RAM does whatever you use now need? Use a RAM tool to see how demanding you are on existing computer RAM. If you are regularly close to about 80% of it, you probably need the next tier above whatever it is. For example, if you checked that and saw that you were regularly using- say- 20GB of RAM, I'd be worried only 24GB is too little to cover you for life of device. So I'd be thinking 32GB or 48GB minimum.
The depth of the work in the Adobe apps would influence good answers to this question. Simple work would need less RAM (even less than 24GB). More complicated/complex work would need more RAM. People once ran Photography and Adobe in Macs with 4GB RAM.
How many projects open at the same time? They'll all need chunks of RAM. Again, if you use a RAM monitor with whatever computer you use now, you'll get a sense of how demanding you are now on RAM. That will yield a typical number (amount of RAM used) to which you should go
UP from that number. If that number is fairly close (within about 20%-25% to the next tier up, I'd go 2 tiers up or more.
Any video work? Video begs for
plenty of RAM.
Lastly, remember with a Mac, you are not buying just for 2025 needs but probably for 2033-35 needs... because there's no upgrading RAM later. So you need to try to anticipate where your computer usage is going in the next 5-10 years too vs. buying "just enough" for what you know you need right now. Else, if you get to 2029 or 2031 and then need much more than 24GB, you toss this Mac and have to buy another.
"money tight" and Mac are increasingly poor pairings. If the money side of that rules, consider embracing a PC where RAM is priced at market instead of 3X-5X market... and it is often slotted and thus upgradable should you need more RAM in a few years. Photography apps and Adobe stuff runs just fine on PC too. You can get much more "horses" for "tight money" in a PC.
Else, if this is "must be Mac," perhaps go used/refurb and maybe consider if you actually need MBpro vs. MBair vs. iPad vs. maybe Mac Mini with a portable screen
17.3" example (one of many) in bag. That example "used like new" on Amazon is $260. M4 Mac Mini with 32GB RAM and 1TB is $1400. As I write this there are 2 M2 MAX Mac Studios with at least 64GB of RAM for < $2K in the Apple refurb store.
Carrying bag for Mac Studio. Perhaps it's a game of "think different?"