The Los Angeles program received $38 million from the city. A small portion of the money comes from private funds.

According to city data, one-third of adults in Los Angeles are unable to support their families on income from full-time work alone.

“When you provide resources to families that are struggling, it can give them the breathing room to realize goals that many of us are fortunate enough to take for granted,” Mayor Eric Garcetti said when the program began.

That breathing room came at an opportune time for Ms. Barajas. After graduating from high school in 2017, she pushed aside dreams of college and began working a string of retail gigs — Claire’s, Old Navy, Walmart. She set aside $300 from her paycheck each month to help cover her family’s rent.

“I had to work,” she said. “We had no foundation, no money in our pockets.”

Last year, Ms. Barajas, 22, received funds from an extension of the child tax credit. She used some of the money for essentials like clothes and food.

On a recent afternoon in Chatsworth, a Los Angeles neighborhood, Ms. Barajas reflected on how the money from the guaranteed income program was helping her stay afloat. She moved out of her mother’s apartment in April, after an argument. Since then, she and her daughter, now 15 months old, have slept on friends’ couches and sometimes stayed at pay-by-the-week motels.

For now, they are living at a 90-day shelter for women and children. Ms. Barajas hopes to attend community college this fall, but is focused first on finding a job. Many mornings, she scrolls her iPhone looking at postings before her daughter wakes up.

Most of the money from the guaranteed-income payments goes toward food, diapers and clothing, but she’s trying to save several hundred dollars, enough for a security deposit for an apartment she hopes to move into with a friend.

“I’m one emergency away from having to spend money and then live on the streets and become homeless,” she said. “A lot of people are just hanging on with the smallest amount of wiggle room financially.”

Zohna Everett, who was part of the Stockton program, knows how it feels to live within that razor-thin margin.

Before the program began in 2019, she was driving for DoorDash five days a week, bringing in about $100 a day. Her husband at the time worked as a truck driver, and the rent for their two-bedroom apartment was $1,000. To help earn gas money, Ms. Everett sometimes collected recyclables and turned them in for cash.

“The money was a godsend,” Ms. Everett said of the Stockton program, adding that while enrolled in it, she got a contract job at the Tesla factory in Fremont, Calif., on a production line.

Until then, Ms. Everett, 51, had been in a perpetual state of hustle, never stopping long enough to realize her exhaustion. After the payments started, she noticed she was sleeping better than she had in years.

“A weight truly was lifted from me,” she said.

The payments stopped during the pandemic, but she then received stimulus money from the federal government. She had started to save some money, but after a case of Covid left her with persistent fatigue and breathing problems, she recently took a leave from her Tesla job.

“With this pandemic, there is a lot of struggling,” she said. “There needs to be a permanent solution to help people.”

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