If you're living paycheck to paycheck, the thought of saving might seem laughable. How are you supposed to start a retirement fund when the mere act of checking your bank statement gives you heart palpitations? Believe it or not, you can do it.
Shit happens. I don't think you need me to bring this undeniable fact to your attention. Instead, let's focus on what happens next. All you can do is keep your composure, deal with the situation at hand, and move on. That's what "real" adults do (or so I'm told).