Most of my adult life has involved lots and lots of work. Right now I’m juggling like three and a half jobs. I “only” worked five hours yesterday because of the holiday. I need to go back to sleep now to get up to be ready for work at 8 am. I’ll be working until 9 pm, with a similar schedule tomorrow, Wednesday and Thursday.
I don’t even have health insurance.

The president nixed the SAVE act, and my state made it illegal for trannies to be teachers.
I cannot budget around paying for a degree for a job that they decided I wouldn’t be allowed to have after I graduated.
I darn my socks and clothes instead of throwing them away. I don’t eat out unless it’s something like pizza and it can be ate over several days. I don’t go out - don’t go to events.
It’s great that you have never had to struggle, but you are making a shit ton of assumptions with zero knowledge.
Sorry if I came across like that (I still think 3½ jobs is too many just for a roof and food, but maybe that’s normal for America - for a European, it sounds insane). That’s a shitty situation to be in and I feel for you. The US sucks right now, unfortunately the only two options are to move to a country (or at least state - seriously, what sort of law is that? I sort of understand where it could come from but it makes no sense) which doesn’t persecute trans people, or ride it out and hope the next administration reverses all the terrible things that lunatic has done. The first is expensive and the second isn’t great either. I hope your situation improves.