For your particular case, it wouldn’t actually change your life tomorrow/next week, but would draw forward the day (by $8k) you’d have a changed life, right? I’m sorry for your situation. I truly hope it gets better for you. I was paycheck-to-paycheck for many years and know what thats like. I can tell you from the other side that all of your hard work right now is worth it. Post paycheck-to-paycheck is such a relief. Depending on how things go after that, it can get even better. I want that for you.