I realize this is advice not everyone can use, but I keep throwing it out there just in case someone can. If you're in the US and struggling, but able to move states, Ohio practically saved my life. Expanded Medicaid paid all of my doctor's bills until I got SSI, and now the MPAP program pays my partner's Medicare fees. PIPP keeps the electricity and gas at 6% of our income each. Property is affordable in a lot of areas because it's economically depressed, and jobs are scarce. We used the covid stimulus as a down payment on an FHA mortgage on a legitimately decent 5 bed 3 bath house, for $345 a month.