I'm in the same exact boat as you if not worse. I'm 23 and graduated with a degree in Business & Finance. The degree doesn't seem to help at all in getting a job. I'm working part time like maybe 10 hours a week because that's all I can get with a crappy boss that pays me very little and doesn't even pay me on time. I live with my mother and brother. My father died of cancer in 2008. My mother hasn't worked in 25 years. It took her 2 years to get a job at a local hospital as a patient transporter making $29,000 a year. I happen to live in New York .. so that $29,000 is way less than yearly expenses including car insurance, home insurance, food expenses, gas, hot water, electric. We are barely scraping by with whatever little is left of the life insurance my father left us with.
In late 2010, I had to get a medical withdrawal from college because I was diagnosed with acute ulcerative colitis. I lost 2 years of my life in a hospital undergoing many treatments until none of them worked and I had to undergo 3 surgeries of which left me with a colostomy and no colon. They closed my wound and I have an internal pouch made out of one of my small intestines. Life was good until my father died. Everything went downhill from there.
I invested in gold and silver with my savings back in 2007 which is the only reason why I'm still not on the streets probably. Against my choice, I was forced to sell some of my metals so that I could eat and pay my debts down. I have some left. I was lucky enough to convince my mother to put some money into metals in 2010 and I guess that will be our last money before we are completely broke.
Life is tough. But it sure helps to have some people to talk to about it. I've been on here for 5 years and being a member of this forum has helped comfort me a little. I posted about my disease diagnosis back in 2010 and it was put on the front page of this site. We may all be headed for doom ... but we are in this together ... as long as we have the internet that is ... so let's lock arms together ... because the storm may get a lot worse in the months and years to come.
Your ally in Liberty,
All paper money eventually returns to its real intrinsic value, zero. - Voltaire