If it wouldn't take too much longer I'd go for the Masters! A lot more opportunity there. As far as balancing, I have 3 kids and have been trying to complete this one self-study class for 5 months now! I work 12 hr days so I'm gone for 14 so those days are out. The other 4 days I'm off I'm catching up on laundry, housework, grocery shopping, taking the kids to their activities, and spending lots of time helping out my parents with all their health problems. The few free moments I have to myself I'm too tired to think clearly. I'm going to try cutting back my hours at work if they'll let me then literally set aside certain time blocks to devote to my class and see if that works. Good luck!!