What to do with my life?

Argh, I'm so confused! The job search pisses me off because none of the jobs are things I want to do, and the salaries are $10,000 less than I made at my last job. I really want to be in school toward a graduate degree, since that's the only way, seemingly, that I'll ever move closer to having a career rather than a job. I had always thought I wanted to get a PsyD degree (doctorate in clinical psychology), but my sister-in-law has that, and she mentioned that for the amount of school and money, it might be a better choice to get an MSW. Hourly rates are supposedly not that much less with an MSW than with a PsyD. But now that I'm doing a little research online (maybe that can't be trusted?), it's listing salaries with an MSW at less than $50,000. That's not enough if I spend a bunch of money on school for the degree. Maybe I need to speak with a career counselor or someone in a graduate program; like an advisor. Any suggestions? Comment!