Finish the PhD, then get a new job.

$65k will be worth half of what it is or less in 10 years. You will, at best, get a raise of about 5% per year. You will see a 20% - 30% raise if you jump ship with the PhD provided you go for corporate positions (you'll barely be treading water if you decide to teach).

The stability of the current job is an illusion - they will let you go the moment it becomes profitable for them to do so. The only person who can ensure you stability is you, and the only way you can do that is by maximizing your earning potential so you have enough wealth to survive a jobless period. Do not rely on unemployment benefits - they're a joke and often arrive as much as a year late.

Source: I took the stable route at that same salary number. Was laid off after 10 years during COVID, while I was sick. My next position I jumped from 65k to 90k, and with the next to 110k within three years. It took over 18 months for me to receive my unemployment benefits.

Companies have no loyalty to you. You are a resource to be exploited. Treat them the same way, and you'll be much wealthier and likely happier for it.