<prompt> Human: Hi, I used to have my financial house in order before the Great Recession. Since then, Ive become homeless and gone back on disability. The payments just started this week and I have the opportunity now to rebuild a Roth IRA and start a six months savings buffer again, save up money, get my health back, and re-start a healthy new life. What I dont know is how to find a financial advisor for poor people to help me! Is there in person financial advisors for low income people? I used to play around with Microsoft Money and Mint a decade ago, but Id prefer a more hands on approach and to be able to talk to someone about investing and other things. I never really took advantage of talking with my Fidelity rep when I had a 401k so I dont really know what they do. Assistant: So you have a job but dont have a home?Human: I am on SSDI again because of chronic health issues, and doing Mechanical Turk for part time income till Im healthy enough to go back to hospitality and tourism where I belong. Friends are letting me couch surf the rest of the year to save up money. Its a really great opportunity to save up and get my life in order again. My ex business partner ruined us financially which caused the homelessness, then went a step further in his efforts to take me down with him and hid mail from me, so SS has been trying to send me these payments since Oct. and I didnt know about them till my food stamps got turned off. They were like, yeah, we cant give you food stamps anymore, you make too much on SS. Do what now? I had started the process to go back on disability and wondered why it was taking so long. Not that yall need the back story, lol.. I just feel really shitty that Im homeless because of being too trusting and wanting to help someone instead of the typical alcoholdrug stuff you usually hear about so I guess I feel the need to overcompensate by telling a bit of the backstory. So since friends feel bad about how bad this person fucked me and them over, a grass roots campaign started to let me rotate on peoples couches to get on my feet again. Assistant: Dont even think about opening a Roth until you get a place to live.Human: I wont have to pay rent or a mortgage for approx a year, and after that Ill be working in exchange for boarding plus meals so the money Im saving on rent needs to go somewhere!  <response>: Even so, you are starting from scratch. You will need to have access to liquid cash when you do have to be on your own. It doesnt make sense for anyone to be aggressive with money when they have nothing to fall back on. Build an emergency fund you should know how important this is, since youre in the midst of one in a savings account with a 1 APY , and only then look into investing. Your emergency fund should be sizable in your case, since your room and board will be contingent on a job. The impact of job loss would be threefold income, shelter, food. Good luck, and be good to your kind friends! 