Continue onto Masters or take time off??

Hi everyone,
I'm kinda facing a dilemma here. I am in Columbia's ETP program which is a BSN-MSN direct entry program. I will finish my BSN in May and am having trouble deciding if I should do the MSN part here or not.

Basically, I know I want to work as an RN for quite a few years before working as an FNP. However, through my direct entry program I have already done some of the Masters course work and everything is all setup for me to continue in June (no time off between BSN/MSN). This is a decent time in my life to just get all the education over with and I feel as though its all sitting there on a sliver platter but I'm not sure if it would be bad to have my MSN and be an NP but working as an RN?? And then eventually get a job as an NP a like five years later??

Anyone have any experience with this?

Oh and the other facter is Columbia's masters is going to cost me at least $35k even with the scholarship and I could do the FNP part back in California (where my husband and I eventually want to live) for $9k....

Thoughts?!

Thanks!! I'm super confused and the time is ticking...