Tutoring is good- very easy compared to classroom teaching, and pays well. (But if you do decide to go down that road in the future- you'll need to put that on your tax return too!) I am another ex-teacher- secondary English too! Like you, I didn't enjoy it very much and didn't feel like I was going to be able to get really good at it. You lasted longer than me though- I got pg in my NQT year and haven't taught properly since (though have done supply, tutoring and TA roles).
With your skills, what about proofreading/editing/copywriting? Maybe none of that appeals.
If you don't have to work and you don't want to, then just work out what other stuff interests you and do that. Bake, read, run, write a blog, fundraise... There must be some things you could feel passionate about, but your grief and your PND have no doubt left you somewhat numb- so it's ok that you don't know what you want right now, and your DD is still very little. Maybe just get your head round your finances first then just see where life takes you in the next few years.
I don't work very much- just little bits here and there- and I've been trying to work out what to do with the rest of my life; working/volunteering/studying... and I haven't reached any solid conclusions yet, but I recognise that my grief is still very heavily with me so I'm taking a bit of time before making any decisions. I feel quite aimless a lot of the time but I'm trying to be kind to myself and live in the present moment as much as possible.
Like you, I also had PND, and also, as you alluded to earlier (unless I misunderstood ) I also worry a lot about what my parents would think about the choices I'm making (or not making!) in life, aided by their money.
So I recognise many of the feelings you've described, and I wish you all the very best.