Non target/ Low GPA/ No internships

Hi I just graduated this past December from Baruch College with a degree in Finance. My GPA is a 3.024 and my major GPA isn't much higher because I did very poorly in econometrics. Throughout college I worked full time as a waitress/ bartender where I made a lot more than I think I can make not at a job as a financial advisor, sales person, bank teller (only jobs I'm getting). For the past year I have only got A's and B+'s ( class average is B-/C+) but the prior year and a half I was dealing with depression and addiction issues while working 40+ hours a week and it brought my GPA down to a 2.4 which I had to boost up my last year. I was always a good student throughout high school/ freshman year but I was cutting classes to party and I basically failed or got a D in everything I took during that time. I didn't apply for any internships my senior year because my main focus was bringing my GPA to at least a 3.0. I am now sober and happy but I feel hopeless because these years have limited my options for the future. I'm interested in consulting in the future but I don't even want to look at what career I want because I feel like I have to just accept whatever I get that pays at least $45,000-$50,000 starting (low for living in New York). I'm currently talking to a recruiter at Robert Half about temp jobs but the pay is only around $16 an hour and I don't know if they lead anywhere else. What kind of positions should I be looking for? Is the temp job at Robert Half impressive enough on the resume that I should leave a bartending job paying double? How long should I be a temp before I "have experience"? Is it too late for me to get an internship? Should I take the CFA? Would I get into grad school? What path would be best before I get into grad school?

Thank you in advance for any advise and help!