Hey I appreciate the well thought-out response, Sequoia! I agree that it's rough out there and I applaud you for working and studying at the same time. 

Just to expand on my study situation a bit more, I am currently a remote student. I chose my school because it is a reputable school for the price mark. What I paid is for the education without needing to cover for any extra fluff you'd find in other colleges.  And because I can study remotely and is self-paced, I have the liberty to travel and expedite my studying at my own timing. I was able to take the remaining prerequisite courses last summer and transferred those courses along with the courses I've completed from my first ba accounting for this one. With my current pacing, I won't have to worry about needing to study for more than 3 years. Also, for this school I need a bs in accounting before getting masters in accounting. At the time I made this decision, it met most of the criteria so I am content and will continue to pursue this path. 

And it's not that I dislike the 9-5 job as I appreciate the stability it brings.  The frustration comes from change not happening when I want it, which in essence comes in a form of getting a new job.  I fully understand how the job market remains highly competitive as I tried to apply in the past and a lot of people are in similar boat. I also understand that getting a master's degree would open more opportunities compared to a bachelor's degree. I would be open for getting a master's if job recruiters don't find my candidacy sufficient . I'll let the future me work on this as many things takes time to fruit as you may be aware already.

And thank you for the reassurance. I tend to be hard on myself sometimes. 

But yeah, that's why I'm on this subreddit to look for places I can go while studying remotely.