This could be me, and people saying "grow up" are a clueless.
Getting a PhD appears to have made me unemployable for non-academic jobs (and if my c.v was non-academic, it would be very thin, so I don't know what to do about that ...), but academic jobs are scarce.
My temporary contract is ending. I dread having to claim JSA (or more likely for me, ESA again).
I've done (some) volunteering, but cannot continue to work for free.
I am also disabled, and this makes finding a job so much more difficult due to discrimination (it's v. real) and assumptions about what I won't be able to do.
It is mentally exhausting. I'm in a slump, getting out of bed at 10 am, pretending to work on my 'papers'. Walking the dogs seems an accomplishment at the moment. This never used to be, but the whole experience has massively knocked my confidence.
Then you risk sounding "whiny", and along come the people who seem to think things are straightforward.
Starting my own business might be the way to go. I dunno.
Cliches are manifestly unhelpful. I dunno how to sort out the psychological stuff (can't take anti d's - have odd physical reaction). Hanging in there for now.