Aside from the “always being broke” bit, I’m not clear at the impetus for your hurry to start your professional career. Not that I would encourage you to be a perpetual student, but it’s not as if you graduate and suddenly all is wonderful; indeed, all of the flexibility of schedule; the socializing with different groups of people (if you do that); angst over relationships that are destined to last no more than a few months until someone graduates or goes on vacation; and trying to figure out which flavor of ramen to have tonight is replaced with…employers who expect you to show up every day at an ungodly hour to attend pointless meetings and process paperwork no one will actually look at; socializing with the very same group of mostly dull people all complaining about their cubicle furniture and who gets the station with a view of a window through some supervisor’s office door; angst over relationships destined to drag on for years until you get mutually fed up with each other, married, or both (those being not mutually incompatible); and trying to figure out whether to have pesto or cream sauce with your overpriced, all-organic pasta.
The upside is you have money; the downside is that you find out that money–while it lets you eat better, drink good wines, and purchase entertainment media at will–doesn’t actually make you intrinsically happy. If you’re unhappy now at school, there’s a good chance you’re going to find a slight variation of that same disquiet in your professional life.
Personally, I’d go back to school full time in a heartbeat if I could figure out some way to do it without working three jobs or going massively into debt. There are parts about the various professional (engineering) jobs that I’ve enjoyed, but the day-to-day stuff is largely drudgery and growing piles of paper. It’s not the most fulfilling thing in the world, especially when the program or product I’m working on gets cancelled, or better yet is continued for months with knowledge that it will inevitably be cancelled. But it does allow me to fill my liquor cabinet with some very nice whiskeys and load my bookshelves with a large collection of classic books and Criterion Collection DVDs that are even now sittting unread and unwatched. If that’s not what it’s all about, then I don’t know what is. Actually, I just don’t know what it’s all about, and the liquor and books are just a salve on my wounded conscience which begs at me daily to return for an advanced degree in physics, but it mostly only comes out at night. Mostly.