This - and there are a couple of other things to consider.

Will your private lesson money pay into retirement? Will it cover insurance?

If you have to save for retirement, let's say a modest $6k a year, plus insurance (not sure what the rate would be, if you're only making $45k)... and you have to pay taxes, too? Right?

So for the person who responded saying they make $45k a year - how do you handle those other areas of budget concerns? What do you truly make in a year without those expenses?

To the OP, I'd look into other options on top of just private lesson teaching if you can't find another job teaching band.