I think so, unfortunately. Please keep your financial stability. The music major route is either teaching or performance, and you’ll probably just end up with side gigs if you’re not doing either. That may be a fun outlet if you’re not committed to performance or academics, but if your regular job and domestic life are already taking all of your time, it doesn’t sound feasible. I had to make a similar decision regarding a performance major many years ago, and I regret not keeping up with playing for fun outside of the intense academic environment. My overall advice: Keep playing! Seek out private lessons in the meantime and see what happens (not the collegiate route quite yet, since that’s a separate career commitment and very intense). Keep on doing the thing that brings you joy.