No-one can tell you what to do my friend! I mean, they can, but that opinion will be based soley on their own life experiences, ideas, desires etc. In my opinion you already know what you want to do - you are just finding ways to talk yourself out of it :)

We dont live in the past, or the future. We only live right here, right now. Some people may say its a bad thing to react on impulse but, ironically, the only way we can decide that is by looking back into the past and judging ourselves.

Whatever you choose will be the 'best' choice, as long as you make it in a positive mindset - doing it because you want to do it from the bottom of your soul. If you make your decision based on a negative mindset (i.e. dont have enough money, fear of missing out, lack of time (aka - il do it next time syndrome)) it will be much harder to enjoy that choice in a positive way (happiness).

This isnt to say you should/shouldnt blatantly disregard everything and react solely on emotional impulse! If youre thinking long term, do it in a positive way and enjoy each moment as you strive to reach your goal.

All the best with whatever you choose!