And if you're like me and being paid to go to graduate school it's more tempting to stick around (especially if other people's research depends on you or you have a general feeling that you're letting down people, e.g. profs that you got you where you are now). There were times I wavered because of this but at some point I told/convinced myself that 10 years from now these people will understand.
People not in the situation tend to be very gung-ho and tell you things like ... do what your heart feels! seize the day! blah blah blah. I've heard it all.
Yea, if only they were in your shoes.