As I'm getting older, I really wish I got my life together while I was younger. Not only do I wish I made more money, but I wish I got off my rear-end and started career instead of a job.

Now, you have a path you'd like to go, so the career part seems to be coming along.

Before moving out of your parents house, I'd definitely recommend having money saved up (6 months worth of expenses IMHO), so I'm leaning towards getting that second job.

If Uber is an option (I'm not sure about age requirements), I really like that as a side gig to earn extra money as you only work when you want to. Feeling burned out? Don't turn on the app (or turn it off if it's already on). Have lots of energy and feel like making money? Drive all day! There's no "schedule" or boss calling you in when you just don't have it in you. YOU decide when to work. There's nothing worse than having a bad day at your primary job and being committed to a second job the same day.

Oh my. So, $2,800 x 26 paychecks is $72,800 take-home.

I know SF is an outrageously expensive area. Without extra income, you're probably looking at several years to dig yourself out of that hole. The best piece of advice I can get is to do whatever it takes to earn more money and spend less. I know that sounds like a "duh", but it's really important that you get on a written budget, cut out EVERY expense that isn't absolutely critical, earn more money where possible (2nd job, Uber, whatever).

As Dave Ramsey would say, you shouldn't see the inside of a restaurant unless you're working there as your second job.