The sooner you get that first "real job" with "real pay" (i.e. more than $20k) in your chosen profession, the sooner you will be able to start long-term investing, and the sooner you will reach self-sufficiency (i.e. able to focus more on what you want to do, as opposed to what you need to earn). You can't get that first "real job" without the degree (unless you plan on pulling a "Bill Gates" and being your own boss, or a "Mother Theresa" and taking a vow of poverty.) In the end, your degree will cost about the same in money, whether you get it fast or slow. However, by taking the slow route, you are spending life years delaying your profession. The trade-off, in my mind, is not worth it. If you really know what you want, and the degree to take to get there, get the degree ASAP.
Experience while in college is important, so go for internships, even if they provide more experience than money.
Also, make sure you give yourself a good reality check every week or so. It is very easy to get diverted down the wrong path, especially in the liberal arts and sciences, especially when you have been in the college/university environment for an extended period.
I am a 43 year old with a Masters in Physics, working in a staff engineering position. Some might consider my position to be impressive (helping to design the next generation aircraft carrier propulsion plant), but it is actually pretty boring. I dream of physics. I taught physics at a local college, 4 nights a week for 3 years, just to be "in touch." Through this work, I rubbed elbows with people doing research in physics. I have been offered research positions at government labs if I would go back into a PhD program. Alas, I can't afford to go without my paycheck, now. I have lots of bills (though my student loans are paid off), and 5 kids with their futures to consider. My time has passed. Why didn't I get my PhD 20 years ago? I got distracted. I was writing and running major tournaments of AD&D at the world's largest gaming convention, as well as running a local gaming organization of a few hundred people. I was having fun with friends, with my mind off in the fantasy realms. I was skiing in Colorado and Utah, and sun-bathing in Florida.
Give yourself a good reality check every week or so. Fantasy is not life.