Bull!!!!!
I typed in "Salary 21k" into google.
Amongst the first five are:
Apprentice
Hospitality
Pastry Chef
You've worked out how to get access to a computer, maybe you've even had to switch it on yourself. What's more, you've connected to the internet, using your own wits - found an appropriate forum, strung together a few sentences to ask a pertinent question. You're worth more than 21k.
The salary is an insult to the profession. I understand at 45 not all doors are open, but seriously, 21k?
If you can afford to work for that salary, then you can afford not to work for it.