Guys, I think it’s time to throw in the towel.

I’ve been having trouble finding any sort of viable employment, and now I’m starting to have some physical problems with my neck/shoulder that might be too serious to ignore. All of my summer classes have been cancelled (again), and Kansas starts its academic furloughs tomorrow. Things are just as bad elsewhere. Music jobs have been scarce for a while, but I think it’s going to get a lot worse really quickly.

I have a doctorate and just over 10K in student loans. (My husband has a mountain of debt that I’d like to help with, at some point. We are not mobile.) I’d like to own a home again, someday. I’d like to be able to adopt a second dog. I’d like to make more than 25K/year, preferably working less than seven jobs at a time, and maybe start a retirement savings plan of some kind.

I worked one year as an admin at an insurance company, but that was back before you needed a degree in admin to be an admin. My only other non-music employment has been as a sales associate at the Gap or various other clothing retailers, and a cashier at my dad’s grocery store and tobacco hut. They were all variations of minimum wage and probably not sustainable for a lifetime.

What do you do when you’re 32, educated (but unskilled), have got a bum arm, negative dollars, and a sense that it’s time to throw in the towel?

(Note: Am looking for actual suggestions and not sympathy. There is no room in my head or heart right now for feelings. I need a plan.)