Getting some "quick money" is unlikely to solve your long term financial position. First you need to review what "working full-time" means. Do you mean you have a job and work 8 hours a day, or do you work the same number of hours as someone who is working for themselves? I guess 8 hours. Well if you can do 12 hours (with some part-time work) then you could boost your income by 50%. Do this until you can find an idea to start yor own business, then reduce your part-time work, while growing the business. When it is big enough, pack in the full-time job. Secondly focus on where your money is going. Are you spending it wisely and only on essentials, be honest woth yourself! Invariably, most people that have wealth have gone thru the process above, i.e. they have put in that extra effort.