I think the answer must come from you. Only you can decide what you want to do. .

Short term gain for long term pain? or is the move fitting into your long term plan?

If you are going in for the money, yes you enjoy it for a while before reality sets in, and you hate and dread going to work then the extra money not worth it.

So I think it boils down to what you want to do, and if you are totally clueless,then like what everybody is saying - go for money! decide later, but you will still end up at another similar crossroad in the future. But who cares right? just kick the can down the road and worry about this later?

Yes, having more time to trade the stocks is a really bad idea.. I myself was burnt last few years (lost 50k in total?).