Do you live with mommy still? Most people that have a mortgage, or rent would be affected.
Most drones who have been mechanized by The Man have to stress over those things. With my investment vehicles, savings and unemployment checks, all is well. That's not to mention the extra goodies like EBT, fuel and energy assistance, free health insurance and so forth. For you, life is enslavement to a car payment and a rent payment. For me life is an opulent apple to plucked from the tree. Good luck to you.