It's very hard to be in the NP program and work FT. You also have to remember that with your current job, there's no call, and as you said, very little stress. Do you think you could handle the stress of school, a new baby, and work? Also, climbing the ladder with the insurance company... What does that mean? What kind of salary are you looking at? If you're looking at making the same amount of money as you would in the NP field, I would say climb the ladder and save yourself some of the stress. I think your intentions are honorable, but sometimes peace is worth a whole lot more than honorable/the best of intentions. good luck! Keep us posted :)