Destitute: These people are considered the dregs of society. They own no property, and may have no fixed home. Some perform no real work and are often unemployable. Others are in bond to a master and live at his whim.
You find yourself in love with another, wither it is a fling or something more serious is up to you. (work with your DM to detirmine if it is ongoing or terminated)
In adult life you gain a rival who seeks to undo your character, they will attempt to hinder your efforts until they get what they want. (work with your DM to determine details)