Advice on how to start

W.W.D.D.?

I’m 28 yo with no savings and a new chronic illness diagnosis. I had to leave my stable job in October for medical leave and did not return after due to medical symptoms. I put all my credit card debt into personal loans for lower interest rates and have kept my credit cards at 0 balance for almost a year now. I have student loans that are currently in forbearance but are gaining daily interest. I have a small side hustle of baking cookies and selling them under a cottage kitchen license but I have not turned a profit yet (I’m very close).

My monthly expenses (personal loans 1 & 2, rent, car insurance, utilities) equal about $2,000/month. My car is paid off.

I have a small pension of about 8-9k that I could hypothetically withdraw but I don’t want to lose the only money I have as a safety net.

I am interviewing for a few jobs in the upcoming weeks but with my new diagnosis I am very limited on what I can and can’t do at a job, and would require ADA accommodations wherever I go.

Please help me, where do I start and what do I do?

Posted Mar 8, 2026, 1:18 PM UTC

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