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A very serious and/or disabling health condition could deplete your savings in a few months even if you are considered middle class and have health/disability insurance. There's no guarantees there. Also, becoming homeless is extremely unlikely as long as you are healthy and able to work. Even a $15/hr job can put a roof over your head and buy you food.

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> Even a $15/hr job can put a roof over your head and buy you food.

That's iffy, you might need to pick one, but "healthy" is also a pretty wildly varying thing and being able to work doesn't mean someone will give you work. Ya, maybe a temp agency will get you something if you're lucky, but then you also need to get rather lucky to get a place even if you can pay for it sometimes.

Sucks to say it, but if the majority of your work history is as a programmer and you fall on hard times, you're not at the top of any hiring list for a low-wage entry-level position.

In your first sentence you forgot to include "if you live in America."

I think you mean "if you live in most parts of the world."

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