Hello Continuousventer, and can I offer you a warm welcome to the forums.
I understand what you are saying and can I ask you a question or two if that's possible, so this discussion can continue.
As you are 20 years old are you receiving any Centrelink payments and if so, in Victoria there is:
The VicRoads L2P - Learner Driver Mentor Program assists learners under 21 years of age,
who do not have access to a supervising driver or a vehicle, to gain the driving experience
required to apply for a probationary licence.
There are job agencies in the town centre who will help you find a job.
If you can find a flat or a unit to rent then Centrelink will help pay your bond and 2 weeks rent in advance, and if you need help with moving costs or for rent in advance, you may be eligible for help from the Housing Establishment Fund or maybe you might have a friend who will rent with you.
Rent assistance is also available.
Some op shops will help you with some furniture you may need or there are hire shops for the white goods but please get back to us.