It's the 21st century, and you live in the First World. As a typical First-Worlder, you probably will consider the following things as basic necessities.
Shelter
You definitely need shelter. Shelter protects you from the elements (rain, snow, hail, you name it) and allows you to have some control over your living space. You may own the shelter or rent a shelter, but if you cannot afford to own or rent, then you may apply for government-subsidized affordable housing; and if you do not qualify for subsidized housing because you make too much yet not enough to live comfortably, then you probably want to find a roommate or live with your parents/relatives. And if you cannot find roommates or relatives that can provide free/cheap housing for you, do not qualify for government-subsidized housing, and you somehow cannot rent/own your home, and the homeless shelters are all full, and somehow you do not own a personal vehicle that you can also live in, then you may as well just live on the streets. Good luck protecting yourself on the streets!
Home Insurance
If you own your own house, then you may have to purchase home insurance in case of damages.
Utilities
If you are like most people, then you probably need to pay for utilities - electricity, water, gas (if you are using a gas stove), sewage, telephone line, Internet/WIFI service and waste disposal service; and if you do not personally make those payments, someone has to do it. Nothing is free in this world.
If you live in a car, then you probably want to pay for a flashlight, a water bottle, a gym membership or hotel room for using the bathroom, a portable stove, a mobile phone with phone service or data plan or a smartphone for calling people and using the Internet, a one-time payment for the car and monthly payments for the car insurance, and the driver's license (the license isn't free). You may also have to pay for parking, because not all areas are free.
Transportation
You may have to pay for some kind of public transportation (bus, subway/metro/train), or you may own your transportation (bike, motor vehicle, your legs). You may have to pay for the ticket in order to get on the public transit. If you own your transportation, then you may have to pay for that bike (one-time payment at a store) or that motor vehicle (maybe a one-time payment or monthly payment plan with auto insurance and a one-time payment for that driver's license, regular pumps of gasoline, and car maintenance).
Fortunately, you do have free means of transportation, and that is your legs. You are born with them, but they can be rather inefficient. The average walking speed of a human is 3 or 4 miles per hour, and if your school/work/grocery store is 10 miles away from your residence, be prepared to have the stamina to do that much walking.
Food
Food is a basic need. Without it, you will die. Unless you live on a farm that supplies all the food that you will ever need, you probably will need a nearby grocery store/supermarket for all your groceries. Even if you have a private garden on your suburban property or even on an apartment balcony, you may still be dependent on the mainstream supply of food - the grocery store/supermarket. Your grocery bill may vary, depending on your lifestyle and location. If you choose to buy all organic produce in New York City, then your grocery bill will probably be much higher than one from a person who tends to purchase in-season, conventionally grown, locally grown produce in the Midwest.
Healthcare
Generally, if you are young and healthy, then you probably don't need to visit the doctor that much. Maybe your employer would require you to do an annual check-up, so if that be the case, then you may see the doctor just once a year. The older you get, the more health problems arise. You may discover that you have hereditary Huntington's disease, thus dying at age 40. You may have a family history of heart disease, stroke, diabetes, cancer, arthritis, osteoporosis, etc. and develop it too. Organs start to fail, and your senses are no longer as good as they used to be. At this point, you probably need some kind of healthcare.
Education (from birth to adulthood)
Toddlers and infants generally don't need to attend day care or preschool. They can be taken care of by the mother or the grandparents, and this is often the case in many cultures around the world. If both the dad and the mom work, and both of them do not live near relatives who want to care for the children, then they may have to pay for childcare. They may hire a live-in nanny or au pair for the children, or they may send the children to day care or preschool.
Afterwards, the children probably will go to primary school and secondary school, and they may be state-funded or privately funded. Students need to eat, so parents would probably give them money to buy lunch or make lunches for the kids.
By young adulthood, people may apply for college and look for ways to fund their college education. They may receive merit-based or condition-based grants, borrow student loans, earn money through a work-study program, earn money by getting a part-time job during the college years, or if the student's family is rich enough, the student's whole tuition is directly funded by the parents out-of-pocket. Some students may just be very fortunate to have parents who work as faculty/staff at the university, thus receiving a massive discount on tuition, on top of being an in-state/local student.
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