JJRN10

I've been a bedside nurse for 9 years (30 years old with two young children). Last year I completed my BSN and actually enjoyed the learning process and I'm anxious to go on for a masters. I'm just not sure what I want to study. Prior or to nursing I did administration work for a few years and loved that. Although I like bedside nursing, I can't imagine doing it for another 35 years. I get tired of the dirty work, holiday/weekends, and essentially the lack of promotion-ability. A lot of my coworkers are pursuing their FNP but I'm not certain that that's something i'd want to do or have the commitment for with the clinical hour requirements. I guess it all boils down to the fact that I don't know what I want to be when I "grow up". How do you decide what's the best area of education to pursue past an undergrad degree? I'm also hesitant to invest much $$ into an education (being an adult learner who is also worrying about retirement savings and my young children's future education) if there isn't a fiscal payoff at the end. How do you decide what's right?