But now I live in relative comfort, and I would have to stop working and generating an income. I have savings that could tide me over but when the choice is a home for a future family or a university degree with questionable worth it's a tough ask.
I can't imagine having dependents and going back to work.
Of course everyone is going to chime in and say that you don't need to do university full time, but, you do. Notwithstanding the mental exhaustion that comes with our jobs but also I believe it to be unlikely that you'd be able to get into the right mindset to be creative, social and learning deeply.
I sincerely believe that university is a thing that you can only do at a certain point in your life, and I'm passed that point.