Life is hard, advice welcome:)

I’m only 22, but I feel like such a failure for not getting a degree. I am at a decent job, 9-5 but am miserable and don’t see a future in this career. I have only been sure about one thing - being a stay at home mom to my future babies until they can go to school. But todays day in age that seems so hard with the finances my husband and I have. I would like to go back to school but absolutely NO idea what I would even do. How do people decide??? I have no specific passions. And I don’t feel comfortable trying for a child until my husband and I are a little more finically stable. However so many people my age are just getting pregnant with no real thought behind it. No idea for where the baby will go while they work, if they’re even going to work, etc. I just feel at a loss.