<prompt> Human: What an incredibly awkward title to write.OK. To keep this short, but informative -- I am a male youth in his very early 20s who has recently become homeless. Im not sure what to do and I have limited access to the internet.I was also recently laid off from my job. I have applied for unemployment and have about 3,000 saved up. Currently, I am basically couchsurfing. Which is not fun. What would you guys do in this situation? Im at a loss and am extremely depressed and... DESPERATE. This is not a cry for attention. Im not very good with money -- if I was I would have had saved up a lot more money instead of spending it so frivolously before. Thanks for your help, ill be checking up on this post tomorrow when I get to the library.  <response>: I seems like the end of the world, I know it. In my early 20s, I was horrible with money and I too was laid off. My credit score tanked into the 400s, I got sued by a credit card company, and my car was repoed. If it werent for my family, I would have ended up on the street.Dark times, but I pulled out of it. I went to college a little bit at a time almost completely paid for via federal grants, no loans while working a shitty job. Fast forward a bunch of years, I met a woman and decided to unfuck my credit and finances so we could get a house. After some intense credit repairing, we manage to close on an awesome house... three days later Im laid off again, a week before our wedding. The only time in my adult life I have ever cried was in the parking lot that day. We cancel the honeymoon and force a smile though the ceremony. Im out of work for six months and its straining out new marriage already. All I did was sit at home and watch the seasons change from within a house I could no longer afford. I say fuck it! one day and just decide to start freelancing instead of look for a job.Fast forward several years later, the freelance gig has morphed into an actual business that employs more than a dozen people. Along the way, weve almost gone out of business more times than I care to count. Its been a major source of stress, but the company always somehow survived.Its been 15 years since I was nearly homeless. My marriage is good, we have two toddlers, still live in the house we almost lost, I have a brand new 50k car, almost a quarter million dollars in retirement savings and am in the process of selling my business for a few million dollars.Life is sucking for you right now. That sometimes happens but it always gets better. Youre not old enough yet to have seen enough cycles to recognize that pattern. Look for the victories wherever you can find them. Some days that might just be getting out of bed in the morning. But even those small steps will eventually lead you to getting a job, and then a place of your own, and then a better job, and then a sizable savings. You have all the time in the world to get there from where youre at and its very doable.I envy you, actually. Id give up all my financial security to be 15 years younger again, if I got to keep the same sense of perspective that I have now. I wouldnt have spent so much time and energy worrying. 