I'm an adult with a college degree and 0 ambition to work
Is it because you are lazy or bored?
It is not that. I was suppose to get a big payday soon.
That is irresponsible. Regardless of whether you will get a big payday, you should be job hunting just in case that payday never come for whatever reason.
I'm planning to work after I get that payday anyway, what is the big deal?
You need to work and can't count on a "payday" you haven't received it so it doesn't exist. Life has many expenses and you should get on it before they pile up and you end up with massive amounts of debt.