32 with a wife and kid wanted a penny on how I'm doing?

So the last month has been rough, we've had a lot of home repairs that have unfortunately taken a little toll out of the bank. $1,000 for a tooth, $1,000 for the floor thanks to flooding, $400 for a dishwasher and $300 to fix shingles on the roof.

My wife works as a daycare teacher making about $17 an hour but most of her paycheck goes to the following : daycare for my son, her own student alone which is like $200 a month, and our insurance (the daycares at a hospital and has a really good insurance)

I started working a job last December that rakes me 60k a year. My paycheck goes to the rest of the bills and expenses.

Or average overture of bills is about anywhere from 13 to 1700. I bring in about 4k a month to give or take. I am looking at a second side hustle, I got approved for Babel audio which would net me about $17.50 an hour however whatever I make about 30% of it is going to have to go to taxes come that time of year.

We currently have one car that is on a payment plan (it was paid off but there was an auto accident where I had to get a new one) at about $150 a month. A second car (Toyota Camry 2012) with about 100,000 mi on it though I've heard those things can last up to $300,000.

My student loans are on forbearance until 2028 to due to the save act (I know they're going to gain interest but they're asking me to pay about $600 a month and I can't do that. My hope is that something else comes along which is what it sounds like by 2028).

We normally set $300 aside every month for incidentals though it's been bigger the past 2 months.

My roof is going need to be fully repaired in about 2 years I was told. Which could cost me about 8000 if I can figure out how to get insurance to go through it. We live in a town home and we live within our means, really haven't bought anything super frivolous in about 2 years and that was a vacation. We tend to do something fun for dinner about once a week this could be going out for dinner at a local chain or just bringing in something like Moe's. Otherwise we cook.

I live in a lot of fear due to my anxiety disorder that I'm not financially prepared.

Our current amount in our bank is roughly about $24,000.

I deal with a lot of anxiety thinking then I'm not prepared financially in that I'm one bad day away from ruin. Hoping people with more financial sense can tell me otherwise