If my life was simpler I would've prob graduated in psychology
But my parents would only let me go in a STEM career so I wouldn't have a problem finding a job or worry about money. Nonetheless I chose what I wanted from those options as well. My life has always been a struggle and it's still hard. I feel like I haven't lived or been truly happy, but hopefully I'll reap the fruits of my hard work.
You're still young albeit if you wanted to get the phd to go a step further it would be tough and expensive but you could totally transition to psychology without going bankrupt especially if you're working in stem