<prompt> Human: I am in need of serious advice, my financialcareer problems have left me with very poor mental health, I can barely sleep at night, I dont want to talk with my friends, and all day I feel tortured by thoughts of failure and the stress of being broke. I live in suburban New Jersey, down the shore as we call it. After high school I worked a couple of minimum wage jobs and started community college because that is what the guidance counselors told me to do.. I ended up with a A.A. in Liberal Arts and a B.A. in History... and about 31k in debt... For a number of years during this time I worked with my brothers construction company and at a nursing home where I washed dishes on the weekends. Construction made me miserable and took a toll on my physical health. At some point when I was 27, after 9 years in the nursing home and not advancing anywhere I felt bitter toward my employer and resigned. This past June I also left my brothers company after a falling out with my father who is a partner and just mentalphysical exhaustion. Last year I spent a semester at graduate school hoping one day I could possibly become a professor, but after a very candid conversation with the head of the department I realized it was a pipe dream.I started going back to school to earn a teaching certificate... but literally 9 people in the field, including professors and current teachers, have told me getting a job is unlikely at best especially for history since so many want to do it and it is not currently a budget priority in school districts. I feel like I am going to school and spending more money for no reason... but I felt like I just had to do something... I just turned 29 this September and I still live at home. I will be candid and tell you I have had thoughts of suicide over my embarrassment and seeming lack of hope. I am so confused at this point I am not even sure I would want to be a teacher even IF there were jobs available which there are not. I feel it is way way too late to try and get another B.A. and the thought of going to school into my 30s and living at home still makes me want to vomit. I have maybe a couple thousand dollars I can muster together from whats left of my savings. I purchased a used car when I was working full time so now I have a car payment to toss into the mix of a 300 a month student loan payment, 78 car insurance, and 60 cell phone bill. The only income I can get is doing an odd job here and there for about 150 a day, they come maybe 4 or 5 days a month if I am lucky. I have applied to numerous jobs, and have gone to 3 interviews that ended up being scams. Every legit job I apply for does no contact me since I have no real professional experience.Please help me... I never thought my life would be like this, I was always good at saving money and never wanted to owe anyone anything, esp. for just wanting to go to school. Unless I go back to construction, which I really hate and is dangerous, toxic, and forces me to work 50 hours a week off the books, I really have no other options. I cannot put into words the daily torture I feel... from getting only 3 hours of sleep to not even being able to talk to my family and friends. The only thing I could think to do was to ask for help and advice. Thanks for your time.  <response>: First off, suicide and suicidal thoughts are very serious and you should absolutely seek out the right help. Please, do that first are foremost. Imediately. Get off reddit and get help. Talk to a counselor. Go to a church. There are countless hotlines. Please. I beg of you, if theres one thing you seek to work on, its this. You are between a rock and a hard place and countless others are there with you. It does NOT mean you are a bad person and you can still dig yourself out of this, but you have to be in the right mental state in order to pick yourself up. You have to overcome the stigmas associated with how you feel and where youre at. Its okay to feel bad that youre not where you thought, but dont let it hinder you, let it motivate you. I think part of it is that youve been largely unsure of what you want to do from what I gather. Once you figure it out, youll go for it with lazer focus intensitiy. It doesnt matter what anyone else thinks of your situation, it only matters what you think, and what you think will either help you get out, or paralyze you into staying. Keep your head up and keep moving forward, and PLEASE, get help ASAP. 