Hi frugalone, I still have the bookmarks that you used to sell in your etsy shop. They are beautiful, and I love them. I can relate to you post. I listen to Dave Ramsey's podcast. He's always suggesting that people cut grass, deliver pizza, or clean houses for extra income. I noticed that Beverly's is hiring for the Holiday season. I may apply there. I also opened an etsy shopt. Sales last month were excellent, but this month they were low. I'm sorry etsy didn't work for you. You are such a talented artist.
I used to do pet sitting and magazine writing on the side. That brought in good money. Like you, I spend very little, and have no debt, but I am not saving for retirement right now. My income is too low.
I hope things improve for you. You are not alone. It sounds like two incomes would solve your problems.