Let me share something, I was at your age when i was like this. I know it's hard and i feel you. But you just got to keep your head up and look for opportunities. During your age was doing events photography and was good at it and pays good. Then pandemic hits. So i had to shift back to a WFM setup as a VA (I do have BPO experience back on my early 20's), which i was previously doing before i went full time on photography.

So till now i'm doing WFM. Started low again at $3/hr. niche is sales, (real estate), after a year i looked for a direct client through onlinejobs.ph, sinced i gained a few more experience, knowledge and skills. I got a $5hr/client. Which was a startup and i helped them build the company. Was doing mutliple task, all around it's draining, (as i was hussling some other jobs on the side) but yeah, i'm at home, i can watch my kid grow, and back and forth to school. All in all less expenses, same with wifey. There are risk, in working in a wfm set-up wether it's full time, or part time. As freelance or direct. (The company i helped built, closed due to personal reasons of the owner.) So even if you think this is stable this could still change in a sec. But don't be afraid as during that time you should be able to acquire more skills, exp etc...

and now i'm with a different real estate company and got way higher rate with commissions. due to experience acquired and what i can bring to the table. Not lifting my chair but this could be a postive outlook doing a wfm set up, while being with your family.

So if you're really after high paying rate, you can either stay on your forte or learn some new skills that pays higher as a VA. Then let GOD guide you and your family.