Toads

This poem was weird. I understand that he is unhappy with his job. Good for him. Why does he want to be a bum, though? I mean, he says that money isn't important, but he knows that he needs money to support his family. How does he expected to make money based on just his wits like he wants to? The negative feeling that his job creates is inside him. The job is not the toad. The feelings created by the job are the toad. To be happy, he needs to get rid of the toad. He seems to just complain about his job a lot. Is there any real message there?