having an agency controlling your disability for a bit if you are in a group home will help you save for a deposit if you need one for a rental. it also helps you realize exactly what funds you can call essential to exist on . don't look at it as a crisis but as something that will help in the long run...the saved cash from your monthly check should roll over into a nice amount for you to use when you are ready to. maybe not the best situation right now..but might be in the long run.