I think getting the most education you CAN is always a GREAT idea..... however.....
I have my ADN. I started a 2 year ADN program when my daughter was 8 weeks old! (OMG!) ha ha It was hell, but I made it and The last 3-4 jobs I have gotten have all said BSN preferred or required. I have nailed them all! After 13 years of experience in a WIDE variety of nursing positions, I now work from a home office, doing utilization review for insurance company, making a very good living and still only have my ADN.
For me when I started, I needed to get done and get out in the work force. I have thought about going back, but honestly, I don't see that it is worth it to me right now. Kids, sports, etc. Plus I got through school without taking ANY School loans out. Which was GREAT!
So, I think it really depends on your individual situation. I want to go back when the kiddos are older and I have a little spare time (& $$$) on my hands, but hard to imagine spending all that money when I won't make much more-- if Any.
Goodluck to you with whatever decision you make. :)