It's not easy. But everyone has challenges. The kind of thinking you are entertaining, in my opinion, makes it even harder. If you look for reasons to fail, you'll find them. Much better to tell yourself it's easier now. That any fool with half a brain can do it. There's plenty of idiots who can handle it. Hell, I'm an idiot, and at the moment (knock wood), I'm kicking it. And I swear sometimes I'm not even trying. It can't be that tough. It might seem tough, but there's got to be a way.
I forgot to add one thing in my last summary post to you. Some jobs just aren't to be found in cheaper areas of the nation. If you are a techie, you will most likely be VERY uneremplyeed in a unfulfilled job if you go to a place where decent houses and neightborhoods are to be found cheap.
I'm in the same boat as you(being an idiot) and I have managed. But then I started out of college a while ago. I couldn't imagine staring a $500K+ single family house in the face with zippy in my pockets. But then again, I didn't have to.