I think she really doesn’t want to get back with you anymore, especially since you’re not financially stable. It seems like she’s just being practical and thinking about her future.
My advice is to work on yourself right now—financially, and of course your personal growth as well. Keep doing your small improvements so you can become the best version of yourself.
I also think you’re not really compatible anymore, especially since you’ve already broken up several times. It would be better if you look for someone else so you don’t keep getting stressed like this.
Just move on. Sometimes that’s really what you need—letting go so the heaviness you’re feeling becomes lighter.