I'll start...though unofficially, I had an older account that got banned due to a not-cool comment about emulation back in 2003ish. Sorry mods!!!
August 2004. I was 25 and working temp jobs. The evening I created my account I was working the night shift at a property management company, manning the phones in case something awful happened at a Bank of America branch. I was two years married and the dot-com bust had destroyed both my and my wife's freelance writing businesses. The computer they gave me to work on was a P2-100 or something that couldn't play a game to save its life. But that's okay, because I had sold all my games by this point in order to make rent so I didn't have a thing to play anyway. Our bank account was two months from empty. I was pretty miserable. If I'd had a gameboy I'd have sold it, too.
Sometime that night, as I browsed the web and quite literally ran out of Internet to browse, I decided to defy the PA forum mods and create an account again. I cracked open the forums and started reading again for the first time in months. Someone was telling stories about their little Mantis-bro's who killed all the bugs in their home/yard. Someone else was talking about the awesome LEGO spaceships he'd built. Others were discussing games I desperately wanted to play but couldn't afford. I spent the rest of the night, and the next night, lurking. I did that for months.
It felt great. I didn't feel so alone. I lived vicariously through your stories, your walkthroughs, your complaints, you wallpaper threads. It was great. It got me through a tough time.
Ten years later life has had plenty of ups and downs, but I'm way better off than I was. Very healthy bank account, good job -- no, it's a proper career now -- and about to buy a proper home that isn't the size of a shoebox. Shocked how much of this didn't occur to me until I stopped to reflect.
Anyway, really want to hear everyone else's story, too!