I have a job-hopping history so I created this situation based on accumulative job hopping experiences, in between substitute teaching and doing temp work when I could find it.

Sorry to read that you had to also endure a toxic work environment for three years. Happy to read that you were able to use education to escape it for a better future.

I have student loans already so I can't get another degree. I mean, I could...but then I'm just digging myself into more debt without any promise of full-time work afterward.

I wish I had a math brain b/c accounting is a good field. But nope. I also can't do carpentry or trade school automotive work.