I remember being an adjunct in developmental mathematics for more than 4 years at a community college. 2.5 out of those 4 years I was essentially a full time adjunct teaching 5 to 7 courses per semester while also tutoring part time with just a Bachelors degree. When Obama Care insurance came out here in the US, we were limited to 3 classes a semester with the occasional overload of a 4th class and within 2 years, I left teaching. As much as I would like to go back to teaching, I don't think it is feasible now unless I decide to move back in with my mom or earn multiple streams of income with several entrepreneurial projects that don't require a full time hourly load. It's sad that it takes all of these degrees only to make less than a fast food worker or janitor a year to teach as an adjunct especially when it is becoming less likely to get full time faculty work.