Career Path - If You Were in My Shoes-where Would You Go?

Hi Mamas,

Since we're all moms here I thought this would be the best place to brainstorm my current career ideas, thoughts, etc.
I want to know your opinions of do I stay in my current field and pursue it or do a complete change (which I'm considering) but it definitely would require going back to school and getting a Masters degree. So this path wouldn't be immediate by any means.

Here is where I've been and where I'm at in my career/education.
I'm in my early 40s.
I've worked in the corporate world for about 7 years.
I currently do subcontract work from home, doing bookkeeping-but very part time, so income isn't much.

Where I have thoughts and ideas about going - becoming a Licensed Professional Psychologist.
I have a Bachelors degree, but would need to complete a Masters degree program. And from what I understand there are intern hours needed for this too.
I could probably cut back on my subcontract work and focus completely on the Masters degree, maybe taking around 3-4 classes per semester. We have kids (elementary school) so I'll want to still have time for them.
So I could probably complete the degree in around 7 semesters - so on the conservative side - maybe 4 years.
By then I would be 46 years old. So I would still have around 20 years in this field, assuming I retire around 65 years old.

In my current career - I am a business owner offering project management, executive assistant type services and of course bookkeeping/accounting - but I have just stayed very low key on advertising, etc. and haven't pursued any clients of my own.

Being a subcontractor, and working only part time hours, as a bookkeeper has perfectly suited me up until now.
What I love about what I do right now as a virtual assistant (my business) is I will always be remote to my clients which means I can always work from home or from anywhere I want really. If my hubby got transferred for his job I would keep all my clients. I can usually do most of the work on my own time in my own schedule.
I've proved to have the discipline to work from home, on my own time - I've been a subcontractor to this same person for 7 years and she in constantly blown away by the quality of my work and my loyalty and dedication in treating her company as if it was my own.
The downside - being a subcontractor, I get a subcontractor rate. That has been fine with me so far. But as the kids get older I am going to be ready to have a career again and I would like to make more closer to a full time salary. To stay in my current subcontract position I would have to work harder, not smarter. Usually the people who subcontract with this person I work for uses her as a spring board and then they move on to pursuing their own clients. I haven't wanted to go that route yet. But that is where I will probably need to go if I stay in this career path.
The biggest challenge for me in the current career path will be networking and advertising my business and trying to find and retain clients.
My ultimate goal if I stayed on this career path would probably be to gain enough clients, and hire subcontractors to assign to each of the clients so my business would be the hub bringing together clients with needs and subcontractors to provide those needs.
But again with that comes much responsibility from both sides. It does seem that it is a big challenge to find dedicated, high quality subcontractors.

Anyway, I'll stop now.
So thoughts, ideas?
Where would you go if you were me?

TIA