Better to be working towards a career you will enjoy later in life than to have stayed in a career you hated for the sake of being financially stable earlier in life. Yes, it would have been better if you found what you wanted to do career-wise earlier in life but it doesn’t always work out that way. I think what you’re doing is brave, a lot of people would have stuck to their existing career, too scared to make a change. The money and holidays will come in time!