Dear RoseyElephant,
You can create stability and work-life balance/structure that you desire. Not every SLP is broke. And you can get some ideas from the Financially Independent SLP Youtube channel on how to expand your income. Here is a link: https://www.youtube.com/channel/UCKGFBb3KKbQznQwMg35Tpcw/videos
I do hope you go with what is best for you and what you like the most but know that there are SLPs making quite a chunk of comfortable stable change and are making sure their money is earning more money for them.
Sincerely,
XulasLp07