I fucked up and accidental bumped another car changing lanes and fucking got the cops called on me and now I know my rates are gonna skyrocket. I looked it up and they are likely gonna double or even triple. I pay $1200 a year already despite having no incidents before this. and that's the cheapest I coule find and I can't afford to pay anymore. All I did was scratch the side a little and my whole financial life is FUCKED beyond recognition. 

What's the point anymore. Like, I'm 28 and got a dead end job that pays shit. I will never be able to afford a house or retire or do anything fun ever again. My whole fucking life is fucked. I should just either kill myself or live in the woods. What the fuck am I suppose to do.