What you feel now at 25 years old, may or may not be what you want or NEED at 35, 45 or 55 years old. And the area you live in at the age of 25 might not be the area you live in 5 10, 20 years down the road. I'm 46 and what I wanted at 25 is def not what I wanted (at times needed) at an older age.
I vote for planning on getting your BSN. If finances are an issue, get your Associates. If you already have a BA you probably don't have a whole lot of gen ed credits to meet in order to get your BSN. You could always try and find an employer who has tuition reimbursement and take a few classes a year with that money.
I graduated with my Associates in 2013. At that time, most hospitals, offices, clinics etc were not requiring a BSN in my area. It was about 6-9 months later I noticed more and more job postings where the BSN was prefered and then soon after most postings said REQUIRED. And that was not just hospitals..it was doc offices,clinics, schools, insurance companies..almost any area of nursing you could think of.
With the amount of nurses available, employers can be very selective and require whatever education level they want. And they are...