Thyroid hormones levels are not static, they can and do fluctuate. When you workout SHBG can increase and decrease after 24 hours, important not to workout within 24 hours of a blood draw. You talked about the stress of losing a job, that will raise Reverse T3 which inhibits Free T3 which can lower SHBG, which can lower Total T and raise Free T. Stress, being sick will increases Reverse T3. Thyroid problems are mostly intermittent acting up only briefly, you draw labs and miss it completely.
Run a hormone panel every week and you'll see levels fluctuate, labs are a snapshot in time of a moving target.
