Advice on whether to pursue a PhD or not
So if you accept a PhD offer in the US, you can normally leave in the middle with a master's. This is better than enrolling in a master's program since you don't have to pay (in fact, you'll get paid a small stipend). I recommend researching your institution's policy on this. 

If this is the case, you can begin your PhD program now and then decide in a few years whether to leave with the master's or finish the PhD. I do not know whether the PhD is a good investment in your long term financial plans, but I'm reasonably certain you will need more than a bachelor's.