Publishing your work is important. Even if you are giving a piece to some smaller publication for free, you will learn something about your writing. The editor will say something, friends will mention it. You will learn.
Thirteen thousand dollars a year is not enough to raise a family. That's not enough to pay your bills and save for their future. That's barely enough to provide for even the most basic needs.
Growing up, I had a very busy social life. It wasn't until I was a sophomore in high school that I asked Mama if I could come into the kitchen and have her teach me how to cook something.