Well anthony, I'm sorry to here that. Here is my advice to you.

You are way better than me at web design. You charge $250 a psd (last time I heard). With me, I charge maybe $50-$75 per psd. So there is a baseline. Then, when it comes to local work, I've designed a web page for a local client, and he was billed $800. What is my point? Get into local web design. You already have experience in business, use that to your advantage. Make some business cards, ask around, and do some research. Work your ass off. There are small business's that are willing to pay full price for web designs (unlike people on the internet). You have the skills necessary, just get your name out. I know that when I mature in web design, I will make the most money from local customers, not people I meet online.

I hope that helps, and I hope it motivates you to acheive your goals in life as a designer.