You've got tons of options! With university training and an e-marketing job, there must be all sorts of business, marketing and advertising work to do. Surely there are people above you in your organization you can emulate? Or other companies/sectors which will pay better utilizing the same skill set? A few industry certifications and a little experience under your belt and surely you will have a ton of upside in your career. I don't know your industry, but I would really spend some time identifying some reasonable goals and then mapping a plan to reach them backwards. E.g. Marketing Director earning $100k+ within 7 years --> find some folks in this role and check their qualifications, experiences, where they worked, etc. --> cover the same ground and be sure to excel at every step. This is all if you enjoy your industry despite the low pay.
If you really do enjoy martial arts and fitness, are there folks doing a reasonably well-paying job in that field that you would also enjoy? If you really know that much, surely it can't be that hard to get a trainer or manager certification of some kind. Would you be happy running a dojo or health club? As above, it's a matter of goal-setting and working backwards.
If you really are at the 'screw it, I'll join the army' point, then surely the whole world is open to you (for work, not armies, though I hear the French Foreign Legion is always hiring...) What I mean is, if I were not constrained by family considerations and were otherwise open to the entire world simply to make money, the entire world is where I would look, and not only Toronto. Teaching ESL in Asia, being a ski instructor in BC, joining a logging crew, doing any damn thing with a high paycheque in the oil and gas industry, a few financial certifications and working for a financial institution in Dubai, Cayman, etc. I know these are not immediately realistic, but the simple point is that there is literally a world of work and opportunity. And most of it pays more than you make now.
Finally, you're young and have an undergrad degree. If money and a comfortable life in Toronto are your goals, there are many ways to do that as well if your current path is not panning out. Major financial institutions will hire folks like you as banking or mutual fund officers. A few years and industry qualifications and you will have a decent middle-class income. Or go top shelf into one of the standard professions (engineering, law, graduate business training) etc. provided you have a sense of which parts of those sectors are still likely to have jobs when you graduate.
To end a long post, I almost envy your total freedom. Assuming you still want some input, can you identify a few concrete goals you might aspire to, say, within 10 years? Then walk back how you might get there and test it in the fire of the MMM community for how realistic it might seem to the rest of us?