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A structural equation model was estimated using data on <jats:italic>n<\/jats:italic><jats:sub>1<\/jats:sub>\u2009=\u2009677 homeless men and <jats:italic>n<\/jats:italic><jats:sub>2<\/jats:sub>\u2009=\u2009651 housed men of the same age and educational distribution, living in Warsaw, Poland. Retrospective adolescent adversities were found to be significantly related to the occurrence of adult homelessness (<jats:italic>p\u2009<\/jats:italic>\u2264\u2009.01). This relationship was mainly indirect and largely mediated by addictive behaviours, divorce, conviction, and unemployment. Addiction, divorce, and conviction were the three most frequent events preceding homelessness and were likely to coincide. The first job experience did not differentiate the two groups from each other. However, homeless individuals were more likely to currently prefer self\u2010employment over wage employment. 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