@ucdresearch I say this as someone with one of those coveted TT jobs in academia, with my PhD. Get out now. See if they will let you finish the masters within 1 year. If you cannot do the masters, and you get funding from your program, make sure you get funded through next spring and make your priority applying for jobs. I do not make enough money. My rent in a small town has gone up 35% in the last two years. Two years ago I was ok, now I am struggling. I know my colleagues 10 years longer in this than me are still making the same base salary as me, no union, no annual raises, it's depressing. I am seriously looking for the right industry job (I'm STEM), and will leave my school with little notice when it comes along (at the end of the academic year/semester. Even if it leaves them in a bind). I have gotten offers, but you dont want to go into another bad situation so take your time.
You are just as exploited as a University Professor if not more so than grad school. The pressures are worse in some respects. Yes I finished because I was close. Way closer than you. And in some reapects i love teaching. I love the students. But i cannot afford to do this for the next 30 years. I could make more teaching k12, but that is my idea of hell on earth. At least college students are adults...and no parents to deal with usually.