Also, when it comes to the stimulus programs, if you made too much $$ then you don't qualify. Even if I had qualified for unemployment, I wouldn't have qualified for the extra $300/week and the $1200 stimulus plans.

The only thing really keeping us afloat is we fled the USA and move to my wife's town where she owns a home and there's a low cost of living. Luckily I was raised with the philosophy that if I cannot afford to buy a thing in cash, I cannot afford to buy that thing, so I have never had any debt.