You go to the doctor is what you do. Warts don't show up in four days, typically, so another explanation is more likely. Plus, since your feeling as if your life is spiraling out of control, your mind is most likely playing tricks on you. It happened to me and happens to the majority of first time posters to this forum. Go to the doctor and get a real answer.
Everything I’ve read says incubation period for HPV is approx 1-3 months. Seems it doesn’t (or shouldn’t) appear overnight or in a few days.
Be a man and burn them off with pure distilled alcohol and a match.