Physics student in love with physics and applied math, very interested in EM, fluids and complex/chaotic dynamics. Currently in my 2nd year of university

My family is very poor and I'll have to make a decision in a year or two. So my question is, provided I finish physics in 2/3 years, which is possible, and I become a licensed physicist (with a degree, but not a masters), will I be able to find a physics related job? What about engineering related jobs? finance? teaching? what should I expect in an european country? is masters worth it for someone that really needs a job? what about PhD? a second degree, in engineering?

many thank, I just want to understand how labor market capitalizes in a fully formed physicist with (almost) no job experience in his mid 20s