Ugh, this sounds really rough. You are tapped out on energy and time bringing in a set amount and using it all each month. Without savings you can't even move to a better opportunity or handle a month break in between positions if you were to get another job. This isn't sustainable because either a) you keep treading with your head above water slowly burning out until you can't or b) *something* happens and you have no emergency fund. From you posts it sounds like you've done the basics: look for another job, look to cut expenses, look to move, look at career changes and it's just not adding up. So here is my recommendation. 1) Ignore everyone's cookie cutter advice (did you sell your stuff? move to a cheaper place! Sell your car and bike!) You sound like you are past this and need to deep dive into your specific issues. Letting go of countering all these generic arguments will help. 2) Divide your problems into smaller ones and work through them one at a time. Example: a - You need to reduce expenses b - you are burned out c - you need a more sustainable job environment (not perfect, just better) d - you need a permanent change to your job or a new industry 3) Tackle these independently and one at a time and as logically as possible. I suggest the first two as even tiny improvements will give you the space to handle the second two. For the reducing expenses - it sounds like you've tried all the advice here and you are just at the limit. So, it's time to really dig into the details: I suggest you estimate where all your money is going then also pull your last 6 months of expenses and go over them with a friend. You know the one who gives you side eye when you make excuses? Yeah that one. Find something to get to an emergency fund. You can also try financial resources like this book and blogs. https://smile.amazon.com/Will-Teach-You-Rich-Second/dp/1523505745/ But ignore the general advice click bait that isn't helping. Another mental model that can be helpful is to look at "The Minimalists" Netflix documentary. I think it's on YouTube as well. It can give you another framework to think about what you actually need in life, but everyone will need to figure this out for themselves. Burnout is a bit harder, I suggest dividing this one into work and home. (notice a trend? Keep making your problems smaller and more specific until you can solve them) For home, this is a struggle, and you'll have to come up with your own plan. Mine was starting with bullet journaling, cooking, and cleaning more sustainably and that helped me find the space to then sleep more. Then I was able to start to exercise, eat better, and relax better. All of these built on top of each other to create breathing room to actually go tackle the big problems since you can't figure out a career change while struggling daily. Here is an old post I wrote about the effects of just cleaning more efficiently as an example: https://www.quora.com/For-those-of-you-who-keep-a-clean-home-how-do-you-do-it-What-tricks-or-techniques-do-you-use/answer/Nicole-Watts-5 For work, look at your day to day job and see if you can make it suck less and how you got to be so overworked. Do you need to delegate more? (cliché advice, I know) Can you make anything more efficient? What really happens when you leave something on the table? Do you have a organized plan day to day or do you need one? Can you improve your systems? You probably can't get out of busy times in the year like right around enrollment, but maybe you can make it suck just a bit less. Again, listing out all the things you have to do and finding that friend to give you fresh detailed and relevant perspective can help and look for small wins of 20 min here and 10 min there to add up. Once you start making progress there start to tackle the root of the job problem. If you decide you like your job, start to look into fixing it by getting it restructured or moved to a new company. Look into negotiating more money or less responsibility (maybe hiring a associate or assistant). Network with other professionals to understand what you are worth. This gets super tactical and I can't help you much without knowing a lot more. At least if you like the job and just need a new boss or company, at least there are lots of preschools in high demand and hopefully you can find a better fit. My strong recommendation here is to not leave an industry you love because of a shitty boss or situation. There is a reason you loved it and often the grass isn't greener. If you decide to change industries because it's the right answer for you, I recommend job research to narrow down what position and a shortlist of companies. This research needs to include networking with people who have the job so you know that you will like it. Then, you find out what is important to getting that job and how to demonstrate it as well as networking with the right people. If you can do it right, they will literally write the job description for you. I realize that this is probably not EXACTLY what you need because I don't know the specifics, but I hope it gives you a mental model that you can adapt to what you need. Good luck and I really hope you figure this out!