To the OP.
You don't owe it to anyone you just met, to have to explain or justify yourself, your existence, your circumstances, your life.
Keep the conversation fairly light. Talk about interests instead. Hobbies. Films.
If she probes more then make a joke like, you usually save the in depth biographical material for the 2nd date. Make sure to smile and laugh afterward. It will sidestep some of the embarrassing stuff (which to my mind is rude to probe about having just met you anyway - I know that not everyone feels that way though) and also coyly ask to see her again, all in one step.
(To answer more directly - don't lie, no. That will come back to bite you in the backside and sooner than later.)
If the person gets too aggressive with questions, you can change the topic or turn the question around to ask them the same thing. (Sometimes people will back off when they see how it feels.)
Odds are the person isn't in an ideal situation themself. Don't get too nervous ahead of time, though. You might not like them as more than a chat buddy anyway. So don't worry too much in advance.
Sound wrote:
The kind of woman who'd be okay with a guy who's having work problems/stability problems, and independence issues, is probably not the kind of woman you're interested in anyways. Either that, or she's much much younger than you - demands on mens' independence increase the older women get, I've noticed.
Though, I suppose there's a potential exception: women who are in a similarly crappy situation, and can relate to yours. But even lots of those women still filter out non-independent guys, despite themselves.
When I was 23 and effectively a model (locally), and I did live at home (it was a bad recession) but my situation wasn't anything bad (i.e. am taking exception to the idea that only girls without prospects would date 'beneath them'), I dated a 33 year old guy who lived in his parent's basement, had a job but not a good one, and wasn't very nice either. Some women like a 'fixer.' But you're right, most of it's due to naivete - rooting for the underdog if you're a woman and the guy isn't very nice, never works out happily. I was too young and naive to see that at the time. But I didn't hold his situation against him. It was a recession (like it is today) which is a good reason for good people to be out of work.
What ruined it all was he was also a really bad person. But that's another story! I am assuming you are not. Be nice to her, explain your situation when the time comes with simplicity and quietness, and if she has a good heart she really will not be swayed by that alone. (And if you're female the reason I shared this story was to say, if he isn't nice he isn't worth it no matter if he's rich or poor. Those selfish guys do not change, so don't feel sorry for them!)