The answer depends on where you live and how long you plan to work. I'm roughly in your demographic and completed my ADN three years ago. After having some difficulty getting a nursing job, I returned to school and completed an RN-BSN program. Unfortunately, it hasn't helped at all since I am competing with quite literally thousands of other new grads for that coveted first nursing job.
In many parts of the country, new grads are finding it difficult bordering on impossible to find that first job because there are so many nursing grads out there (an ever-increasing number as nursing schools
continue to ramp up their enrollment). Most hospitals in many parts of the country have simply stopped hiring ADNs since there are so many BSNs for them to choose from. Many more hospitals are seeking magnet status, and gradually weeding out ADN and diploma RNs. The same shift to "BSN required" is also occurring at nursing homes in my area, though it is not yet as drastic.
The bottom line is that if you live in an area with a lot of nursing grads, you will probably need the BSN. If you plan on staying in nursing for more than a few years, you will also probably need the BSN. If you want to advance within nursing, you will almost certainly need the BSN. If however, hospitals and other institutions employing nurses in your area are hiring ADNs, and if your working horizon is limited, then you needn't bother with the BSN.
Sorry for what surely seems like a negative response. It may be that, but I assure you that it is also a very realistic assessment of the situation in many, if not not most parts of the country both at present and for the foreseeable future.