I am broke, and not sure why I went into planning

So I've been trying to figure out what to do with my life. I graduate in December and well, I'm broke. Employers from around the country are constantly calling trying to recruit me to move to some place where I don't know anyone and, after a bit of research, realize that i can't afford. So then I started thinking about getting a PhD. It's an option that will allow me to postpone adulthood for a few more years.

Then I start thinking about my current situation. I am working part-time on campus and by the time I pay my car payment and rent there is little, if anything, left over. So maybe i do need to get a job. But although I am pretty good at this Planning thing, I used this calculator on the website http://pricedoutreport.org/ . Basically it says that I better love my job as a planner but I should really consider getting a second job or third job because according to my anticipated salary I won't be able to afford a house.

So when I go out and tell "regular" people that we are planning for them, for their future, am I lying to them as well as to myself? At this rate I don't think I will be able to afford a clue, let alone a home.