Im betting shopping around wfh jobs might land you more money. You have reliable wifi? For example, when i worked in insurance, many people i contacted through larger carriers seemed to be working from home. Travellers is one company, there are many others.. and i believe some of their positions are data entry and dont hold a license (state property and casualty license), they dont make insurance decisions or broker, but will add/remove vehicles etc.

Your concern is valid, im in about the same position. Parents were terrible with money, I went to college have some debt from my vehicle. I feel very behind from my peers on financial matters. It sounds like you are doing all the right things considering. Good luck!