In these situations, MY advice is to chase your dreams. If you'd be happier living your dream than settling for something less, than I say is worth making some sacrifices to get there.
What you need to do is figure out what sort of work you would really like to do, work that would give you that pleasurable female equivalent of the testicular surge, your dream job or whatever, and then determine if if additional schooling, if any, you'll need to be able to do that sort of work.
and be realistic. if the only people being hired for that sort of work have cpa's or mba's, then that is what you have to do to compete for those jobs, unless you are willing to sacrifice your integrity or something sick like that. why would i hire someone who doesn't have the credentials when i have the pick of the litter to hire someone who does? if you want to swim with the fishes, then you need to look like the rest of the fishes. at least, that's the message that i took away from finding nemo
in general, there is no better time to go back to school than in a down economy. right now the only jobs available are crappy jobs. if you can afford/tighten the home finances/kids growing up with crappy haircuts, etc and so forth and waive off the crappy income that comes with a crappy job while improving your credentials, you emerge in much better shape coming out then going in once things rebound.
whether or not to do this is a more straight forward calculation
than you might first imagine because there is a trick to it that almost nobody understands
the secret trick to the calculation is putting any wages earned in a crappy job in the cost column, rather than the income column. right there under the cost of getting another degree. and then multiplying the sum by your unhappiness factor (any arbitrary number greater than 1.0). (ps, you MUST double the unhappiness factor if spanky is not getting pleasured to the degree he had been accustomed due to your current state of your unhappiness)
when you run the calculation, you see that the cost of not reaching for your dream is much, much, much higher than the cost of reaching for your dreams
weird, but true
which is why I make the recommendation that I make, because it is grounded in completely rational and indisputable calculations
in all seriousness, i also strongly urge you to talk to a faculty member at UoD in the field of study related to your dreams and go over it with him/her. just call them up and make an appointment. trust me, if he/she is human, he/she will be more than happy to give you advise.