With 6 years to go before you retire, you should have plenty of time to build your total flight time to the 1500 minimum you will need to get a gig at a regional.

Finishing your BA should be a priority. Then earning your CFI. Then hitting the 1500 TT mark and whatever the current multi engine minimums happen to be when you get to 1500. That could be as high as 500, but probably will be closer to 100. YMMV. If you're not at the 1500 mark when you ETS, or are significantly short of ME time, look into a part 135 operation like Cape Air. You can get hired at very low times, get great flying experience, and PIC. You won't make very much money at a place like Cape Air, but that may not be as important if you have retirement income as a cushion.

If you're not in an aviation MOS, or assigned to a flying unit is it too late to change? Flight Engineer, Crew Chief, Load Master, supply clerk, whatever, doesn't matter. The contacts you make in your unit can be invaluable to advancing your career.