This is definitely a rock and a hard spot scenario for all of us. Making a living while avoiding crashes and trying to figure out health insurance, let alone retirement, can be daunting. The last two have not come together for me. I do a lot of praying! There are many on here who have resorted to credit cards, then when those run out, declare bankruptcy with no clue where to turn next. Some have known homelessness.
This sounds awfully bleak as I read over it. I do not mean it to sound like that. While it is reality, it is also possible to come to terms with all the uncertainty and move ahead with life with determination, courage, and a sense of humor.
I am typing this from my bed today. It is nearly 5 pm, and I have yet to pull my "day" together. Sleep has become elusive once again, some nights yes, some nights no. The good nights, working the next day for a few short hours is manageable. The bad nights, the next day is slogging through Jell-o.
I chose 15 months ago to resume my career as a massage therapist. Yes, the work is physical, but so is sitting behind a desk, if you think about it. Having done both, believe me, physical is actually better. I am moving, stretching gently, alternating with sitting down. Breaks are frequent. The days are short ones but still make me checks close to what I could do 40 hours behind a desk in this area. My bosses do not know specifically what is wrong, just that something is. It is taking longer for me to get my percentage of requested therapist appointments rolling. I have looked into retraining in several areas, and the bottom line always is that 40 hours of work would be required in a lot of fields. No go. 8 am in the morning is also impossible. My work days start after noon. I need it that way.
As long as I can do this, I will. Helping others eliminate their own aches and pains is profoundly fulfilling.
Next action is strategy for the long-term.