I'm not too deep in the field yet. My wife's job is capable of keeping us easily a float. I think I'd rather do this decision sooner than later.
Do it only if the idea of working on something infinitely smaller that a GTA game is enough. And even there, only if the idea of working on ONE aspect of a game (modeling, animation, coding, design) is still satisfying.
Honestly, a game like GTAV is infinetely more fun to play than to develop. And in any case, only a tiny fraction of people working in videogames get (or want to) work on something of this scale.