I tried to open a bank account at a credit union while homeless. Had $42k on my direct express card, finally on SSI, lump sum was for the previous year while unable to work.

No debts, never used a credit card. Couldn’t open a bank account. Had to go thru a program that assigned me a fake credit card debt that I had to pay off for 6 months to get my credit score high enough.

Credit scores are a scam.

Been on Ritalin for a decade. Helps a lot. Used to be WAY disorganized.

There’s a sleep disorder, diurnal, common for people with adhd. Their brains don’t wake up, start functioning til 6pm, wide awake all night.

I’m so careful, courteous at night, super quiet, walking softly… then 6am, morning people wake, stomping, slamming, music blasting. So not fair.

Ritalin. Coke or pepsi.