<prompt> Human: EDIT: Formatting;Just a heads up I have read this subs wiki and others such as rfinancialindependence, rsmallbusiness, rfrugal etc...I make this post because I lost my trust fund as a full time student about 3 months ago. Let me give you a quick rundown. MexicoAbout 3 years ago my grandparents both sides passed away and left a huge trust fund to both my mother and father. My dad got about 2 million pesos about 165,000 USD then my Mom got about 1.2 million pesos about 100,00 USD then plus monthly paychecks of about 1,000 - 1,500 USD per month. Now because of the will and tax reasons they both had to either take the lump sum or spread it out in a timely manner. My dad chose the latter earning him about 7,000 USD per month my mom chose the lump sum set it aside for retirement.Everything was awesome at first, my dad paid off all his debts, his mortage, etc... My mom set about 80,000 USD for retirement, we took awesome vacations for about 2 years, etc... When my dad asked me if I wanted my part in a lump sum I said Id rather have him support me giving me 6,000 - 8,000 MXN per month which comes to 500 - 700 USD per month while I finish my major.Disaster strikes: I had this budget for about 2 years which didnt give me a millionaires life but I was pretty well off Remember this is Mexico. In USD amounts my monthly budget looked something like this:250 Rent Utilities lived away from home170 GasolineThe rest was food, parties, etc...This being said about 6 months ago my dad told me the business was going under and he had time helping me out so I decided to tell him to cut my allowance in half but with the condition he let me move back home. Then 3 months ago we had a talk and we decided the best thing for both of us would be to cut off all payments immediately have him start working on his retirement. He basically lost everything even ended up 350,000 MXN 23,000 USD in debt. He is 55Now I know was spoiled back then I spent every penny from those last 2 - 3 years and have nothing to show for it. But Id like to think I learned a lot, lived through a great experience, and took the right choice by giving up my part of the trust fund. I know this is a long post but Id like a rain check on my budget and some help since for the first time I feel like I have lost my only secure income.Now even though I had the trust fund I still liked going on personal vacations needed some extra cash so I worked freelance Tech, Marketing CompSci projects throughout the last 3 years. I made a lot of mistakes and even ended up being broke twice these last 3 years, this of course with the peace of mind that Id get a new payment by the end of the month. Given my knowledge that my fathers business was going under I got a job about 6 months ago which paid me 20,000 MXN pmonth. This job is extremely well paid considering Im 2 years away from graduation. First thing I did was make a 6 month emergency fund. Second thing I did was save up for a vacation fund and the last thing I did was save up for a down payment on my car. Here is my monthly budget MXN After taxes Trust Fund Dad: 0 Trust Fund Mom: 0 It all goes to my little sister Main Job: 25,000 As soon as I lost my trust fund I negotiated a raise Side Jobs: 5,000- Car payment: 4,250- Gasoline: 1,750- Cell Phone: 500- Food: 4,500- Misc: 2,000.I currently have a 100 scholarship, medical expenses paid for by the trusts medical insurance. I have about 100,000 in my emergency fund and owe about 60,000 on my car which I bought 3 months ago on a 2 year credit 2011 Chevrolet. What would you do different? I am so afraid that I will lose my job or end up being broke again. Also even though I am earning 4x-5x of what my trust fund gave me I still took a pretty big hit and cant afford to be stupid anymore. I am so afraid of investing as well and the people who I trust say my emergency fund is enough to start a business or even be able to afford me a year off from work. FYI here in Mexico most recent graduates struggle to make 12,000 pmonth.TL;DR: Trust fund baby has world turned upside down needs help budgeting, making adult decisions not being broke again.Thank you saludos desde México  <response>: Just look forward. If the trust fund is gone, its gone. Youre not actively worse for it having existed at one point. Keep doing you. 