Hi, Rapunzel!
A couple of things popped out at me from your post...first of all, nothing is set in stone. I hear some distress of trying to figure out "should I do this or this?" You can give a good honest try to one and if it doesn't work out...count what you've learned as priceless experience and go on to #2.
Another thing...given your life situation, I wouldn't pile too much on myself. Example - I entered a Masters in Mental Health program. It was set up to be either 3 years full-time or 4 years part-time. Due to what was going on in my life, I did it in 5-years!
Follow your dreams....at the same time stress yourself out as little as possible. I'm pulling for ya!!!