> Best job currently seems to be delivery driver at $16/hr. There is absolutely no way I will avoid homelessness unless things change significantly, and soon.

Take the delivery job and rent an apartment when the bank forecloses. You won't be homeless. $16/hr is good money.

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Judging by the tenor of the responses you've received already this comment will not get a lot of positive attention. But here goes...

You should have six months expenses saved. Period. You own a home and "have an engineering degree from a good school".

Saving is both an intentional act and a privilege. It sounds to me you had the privilege (you have a house and a good degree) but lacked the intention.

I say this as a person who has not always had the privilege of saving money. And who knows how fragile life feels when you are on the edge.