It's time to stop right now and evaluate what you REALLY want to do. Money is why we work, but money won't make us enjoy our daily grind.
Questions: What do you enjoy doing? Picture yourself successful in both fields, which path do you seem happier?
You only have a car payment. Later in life you'll have a family, a mortgage, bigger car payments, etc. Now is the time to risk these things. Don't let the fear of failure hold you back. It's OK to fail. It sucks not to try!
Trust someone who took the safe path. It's littered with regret.
Good Luck!
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The sad thing is... as you get older you come to realize that you don't so much pilot your life, as you just try to hold on, in a screaming, defiant ball of white-knuckle anxious fury