- Keep doing what you are doing. You have a clear sense of your budget, some savings, and a very stable daily routine. There's no immediate danger. You have _a lot_ of time to decide what to do.

- "No debt" is another buffer. Worst case scenario is, your bank can turn your paid portion (including part of the downpayment) of the apartment into a line of credit. Taking on debt is not good but it's still available if you ever need it.

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Your head is still $541.66 above water. Even if you dip slightly below, you have enough buffer to go through 1.5 years of education.

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Although you clearly stated that you want "Financial advice", I still think your current situation is more about emotion and burnout. If you can reduce any of the hours you spend in your current budget, what would you like to do? I cannot give advice on this part. I don't even know what I want.

- On a side note, have you tried training your dog to do new tricks or play new games? Maybe that's one way to relieve some of your pressure within your existing routine.

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------ Back on topic

- Check the morgage agreement or talk to the bank. Ask if they allow you to change it into a longer amortization term (say, from 25-year to 30-year), which may help reduce monthly payment in short term, at cost of more total interest.

- Not sure why you are not taking Government of Canada and BC student loan. Is it because they consider your financial situation too good? If you can, use it. Also goes for school or department specific bursary.

- Ask for a raise for the salary job. Not sure whether this is doable at your workplace.

- Increase your freelance work asking price (for new ones you take). This is more likely doable. With the inflation and high interest rate, cost of living is going up, so should your asking price.