If you haven't saved enough money to survive for a year without income, you really only have yourself to blame. Just live a frugal life until you have saved enough. I lived my life frugal for so long, I don't even know how to spend the money I make. I've went years without buying stuff that isn't needed for survival and only spend money on shelter and food. If people can't do this simple thing, they can't expect pity from me.