i understand the malaise and despair of depression -- i have been there. i get hating your job -- have been there too.
however, i have never made a 6-figure income so your moaning of things you simply cannot afford really makes my teeth itch. perhaps instead of a career counselor, whom you admit is expensive and apparently ineffectual, you need a financial manager? somebody to help you recognize where you are wasting money that could be SAVED and banked so that you can pursue other lesser-paying, and perhaps entry-level, options. examine everything: from daily lattes to weekly manicures, to spendy haircuts.
do you have an expensive car payment for a gas guzzler that you can sell and buy something more efficient for cash?
do you have a cleaning service, landscaper or dog walker whose services you can reduce and do some of your own work?
reduce your cable/satellite bill?
stop going to movies or the theater.
gym or club memberships that can be cut or swapped out for something cheaper? many gyms will let you work p/t in exchange for a free membership.
figure out how to spend less on groceries -- cheaper cuts of meat and smaller fish that are lower on the food chain.
sell clothes you no longer wear to consignment.
eat out less, buy ZERO stuff.
on weekends or evenings, offer to work for free as an intern, or at minimum wage, for a local decorator or shop if you really think you want to do that. (fyi, anybody i know who has worked retail for any length of time HATES it.)
when you come in late and leave early what do you do with that time? anything productive towards your future?
decorating your own home has little in common with the career but if you think that might appeal, becoming a professional organizer or somebody who helps people redecorate their homes with their own belongings can be professions with relatively cheap certification, eventually leading up the ladder to something better paying.
the economy is such that employers don't need to even consider somebody who wants to switch careers and has zilch experience in the field. it also carries the baggage of moving from your current salary vs. hiring an eager-beaver kid who will work a billion hours a week for pennies because they are drowning in student loan debt.
hire a planner.
make a list of everything good in your life.
exhale, get off your ass and get going.
As I ate the oysters with their strong taste of the sea and their faint metallic taste that the cold white wine washed away, leaving only the sea taste and the succulent texture, and as I drank their cold liquid from each shell and washed it down with the crisp taste of the wine, I lost the empty feeling and began to be happy and to make plans.
– Ernest Hemingway