It's a very tough decision.
The job/monetary situation was lowest on my list of factors when I decided to pursue my original dream of becoming a "rock star". I was young at the time (1
, so I didn't have any of the other responsibilities (wife, kids, mortgage, etc.) that I have now so the decision was easy. For money I worked crap jobs like waiting tables, pumping gas and warehouse work; I even spent some time literally shoveling sh*t (manure). I also got very lucky very early on; I was seen by and then had a lengthy conversation with an extremely respected member in the industry. He was very blunt; "you'll NEVER be a rock star". However, just after that most depressing pronouncement he also told me that I had everything else - talent, discipline and the requisite skills. So I changed direction a bit and became a musical director, the guy who makes it all happen for the "star". I worked my way up through the crap gigs and eventually toured with an internationally known oldies group. I also did endless studio sessions (where I kibitzed constantly with the engineers), lots of gigs with and arranging for other groups, built my own project studio and even did some producing.
Arthritis curtailed my performing career, so I switched gears and became a recording studio engineer. It was okay as a career, but very unsatisfying in the artistic/creative sense. While I was taking my Pro Tools certification course I mentioned this to one of my instructors and he suggested that I get into audio post. I did just that and have been doing audio post for almost eight (
years now. However, when all this occurred I had a very different life - I was now married, had two children, a mortgage and all of the other accoutrements - so it was a much harder decision. So I worked a full-time job and built my business at the same time while trying to squeeze in a family life. I now have my own audio post facility.
The point of all this is that if you do not have all of the responsibilities now is the time to pursue the dream. Years from now you'll look back at all of those "hard times" with nostalgia. You should not discount all of the other crafts; you may end up very happy as a DP, an editor, a set designer, a line producer... you get the idea. So get out there and get involved with other peoples projects and work as a PA, a grip, gaffer, boom-op, whatever. The experience with the other crafts will prove invaluable when you're ready to step out on your own.