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For me, my homelessness was caused by being abused and then abandoned by my family members and the resultant depression.
I am incredibly lucky that I have had people come through and support me and give me a place to crash and distractions from my misery long enough for me to process it until I could get back to a decent working mental order.
On a purely financial basis I'm doing really fucking good. I made a little over $150,000 last year, I live in a three-story home, I drive a relatively new car and things are generally pretty good for me in that aspect, but I also have practically no friends and very few people that I can rely on that live anywhere near me and there are unseen costs attached with reaching those levels of depression and misery that I don't have the ability to express in text format.
But yeah if it had just been on me none of that shit would have ever happened in the first place. It wasn't that I was lazy. It wasn't that I was miserable. It wasn't that I was useless. I didn't have issues with drugs.
I was my high School valedictorian.
I did everything that I was supposed to do the way I was supposed to do it.
I still got to experience several years of homelessness because the people who chose to bring me into this world also chose to use me as a punching bag and then throw me away when I got old enough that if they continued to beat me mercilessly they would go to jail for it.
It took me a total of 12 years to pull myself up out of that funk and get back on solid ground again.
Glad to hear that you've done so much better. Hoping that you can surround yourself with people that bring you peace.