JJWW more, hehe. You may think about how important the PhD is to your career
. If you want the Ph.D is mainly because you want to be called Dr. XXX, it
is not worth.
If you just want a job (not aggressive about career), masters is enough. You
don't want to miss the golden age of having babies because you want the Ph.
D title, right? (Assume your GG loves you very much and strong enough to
take the responsibility--baby is two people's decision)
Anyway, no matter what your decision is, just be loy