I think all of my worst fears happened this year. I went from being gainfully employed going on medical leave due to physical illness, to unemployed and trying to get disability due mental illness. I was evicted in August after missing July's rent while I was in hospital, now either sleeping in my car or occasionally with friends. I tried homeless shelters a few times but panic attacks took over. Now, I'm officially out of funds, unable to work, will probably lose my car in January. And I'm alone. So, worst fears used to include homelessness, no money, and not having anyone to help out. Yep, I met them all.