that's definitely a tough decision. it's forcing you to choose between financial security and personal happiness, both of which are very important (in fact, the latter is often ignored for the sake of the former, but it shouldn't be). I think you need to weigh these two priorities as they apply to your current situation, and make a judgment.

I would err on the side of having mental peace and joy at the risk of taking a dent on my financial prospects, only if I am assured that my financial sacrifice is only big enough to take away my luxuries, and not my necessities.