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Sounds like you really need to figure out what you want to spend 8+ hours/day doing.
Would you like to be a psychologist/psychiatrist? Or something else with that master's degree? What work interests you most?
You may want to take some time off from your studies to figure this out. Speak with professionals to learn the amount and quality of education you'll require to succeed. Find part-time or volunteer work in that field, try it on for size. It may be entirely different from what you expect. You may love it, or you may despise every moment you spend with that work.
From the wording of your quandry, it seems that you're most concerned with your financial situation. If this is the case, you may want to consider an MBA program for graduate school. You will increase your earning potential incredibly, while opening the door to management positions in companies related to your field.
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"Sometimes I have to remember that things are brought to me for a reason, either for my own lessons or for the benefit of others." Cynthetiq
"violence is no more or less real than non-violence." roachboy
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