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Brother, have you ever considered getting therapy? Sounds like there are some underlying issues or even trauma that are causing this attrition.
A couple of posters already chimed in that driving a car that is 80% of your gross salary is insane. You can't have your cake and eat it too.
Speaking as a CPA myself, if you ain't going to grind the corporate ladder, there isn't much this designation can provide that can guarantee what you desire.
You mention that you and your mom can bill at rates higher than a bookkeeper if you get this designation. Is the plan to run your accounting shop? If so, isn't that just a glorified bookkeeper but with a CPA?
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