Actually I've been an employee of a Mom 'n' Pop retail store on min wage (yes, as an adult), and been unemployed, been a union-wage worker in a factory (during the Bush administration), and been homeless living in a Toyota in my 20s (God willing, only a few days because I got off my a$$ and stopped feeling sorry for myself). So I'd consider myself somewhat experienced on the spectrum of working, owning, and not. There are others here with way more experience in one or more of those circumstances, but I'm not 100% inexperienced.
Charles