This quote above answers my question perfectly and i understand the fact that it can be incredibly difficult to find a Phd related job in physics and that as well as an age/time factor was the point of my inital question. I do love physics but completing several years of graduate education in the thought of not aquiring a job with resonable pay is im afraid to say unrealistic for me as i do own a house and the cost to run a car etc.
Thank you again everyone for the replys.as the above advice suggests i will continue on my goal towards achieve physics (Bsc, ma, Phd) but not at the risk of putting all my eggs in one basket so to speak.