I'm twice your age, have an undergrad degree in Anthropology (interrupted my M.A., but going back) and just left a cozy position with the Forest Service in Wyoming to move to San Diego--with no job waiting. Unfortunately, I can't obtain gainful employment in my field in this state without 1) three years experience (I have 2) or 2) my graduate degree.
However, I did find a great job in the industry I've worked in all of my life (pre-degree) and it has allowed me to live well where I've always wanted to be, while leaving me time to volunteer my expertise on various archaeological sites in the area.
I say go for it. You're still (very) young with a paid off car and a safety net in the form of savings. There is work to be found if you persevere. Live the life you want to live. Don't wait until you hit your 30s or 40s to pursue your dreams. Life gets in the way and your dreams end up on the back burner. I'm a lving example of that--but at least I had the chutzpah to go for it now. You should too.