ME/CFS has left me in a fight every single day - physically, mentally, and financially. I've tried to make ends meet since being diagnosed, but it's just not possible to do it alone anymore. Qualifying for SSA is a long and arduous process, even after being deemed disabled by my state. I have to work part-time to have access to health insurance. I earn too much to qualify for traditional state benefits and not enough to cover basic expenses.

I've been ordered to pay back roughly $10,000 in ACA subsidies after cashing out my small 401k to live off of - since it put me over the max ACA qualifying amount.

I'm humbly asking for your help to reach any or all of these three critical goals:

Goal 1: Housing & Living Stability ($4,000)

Having used up all my savings to pay for healthcare insurance premiums and basic needs, I am facing a risk of losing my housing. I need help covering essential living expenses until I can stabilize.

Goal 2: Work Transportation ($2,000)

Staying employed at my job is essential - both for my financial stability and for my current health insurance.

My car has over 170,000 miles. Every drive to work is stressful, knowing my car could break down at any moment. Public transit to work isn't an option and disability transportation would cost nearly my entire paycheck.

Given the high mileage, I will need a replacement vehicle in the near future. I am asking for help to start saving towards a down payment on a safer, more reliable car.

Goal 3: Credit Card & DTI Relief ($4,000)

I've had to put current health insurance premiums and everyday living costs on credit cards and that pushed my debt-to-income (DTI) ratio too high. Paying down a portion of this debt is essential to help lower my DTI so that I can qualify for an auto loan when replacing my car becomes unavoidable.

Asking for help is the last thing I want to do, but this fundraiser is the best option I have right now to keep me working, housed, and moving forward.

Even a gift of $5, $10, or $20 makes an immediate difference.

I'd appreciate your shares or any other support you can provide. I will pay your kindness forward.

Thank you!