I get that, that's why you spend your time trying to find work, until you do have that nest egg. I spent my early 20's with multiple jobs (e.g., working as an LTE (Limited Term Employee) at the local University 30 hours a week and then working nights at a club 2.5 hours away Friday-Sunday - getting a couple hours of sleep Sunday night, driving back and going straight to my day job. I don't think I could do that now, but my LTE jobs were never that complicated (or high paying).
Clearly "just have half a year's savings" wasn't an option here...