Agree with everything else but maybe not this:

You can choose to quit and be gone if you absolutely need to and you’re not going to be homeless. Now you work the toxic job not for them, but for yourself. You use that job, as toxic as it is, to get what you need out of it to raise yourself to the next level of what you need to go elsewhere.

The stress of losing the job is gone from having the money, but the stress of having that job has not gone away. If it is ruining all your free time it’s often good to just GTFO as soon as is reasonable.