After graduation plan 2012

InsyaAllah i will finish my Degree this month and get me result early of August. So what's next. There are quite a few options.

1) Study ACCA full time in UiTM starting Sept 2012, apply Pinjaman Boleh Ubah MARA
Pro:
-get ACCA faster, December 2013.
-MARA loan helps pay my study
-Uitm grant pay for the papers (around RM400 each)
-lotsa free time to start a business
-lotsa time for travelling overseas
Cons:
-No salary, must work hard and spend less to save money for vacation
-Starts working at the age 27
-Cant buy a house, with no steady income

2) Works in an audit firm, study ACCA part time under CALAB
Pro:
-Get the most money, salary from work + allowance from CALAB
-Have lots and lots of money for vacation and buying a house
-Can save a lot in ASB
-Get ACCA in 5semester
-Tons of working experience
Cons:
-busy busy busy for 3 years, weekends have class in Sunway kot
-3 years contract with the firm. have to pay back huge sums if i stop ACCA or stop working.
-no play play. less time to open business

3) Works full-time
Pro:
-Get salary
-Have more free time, cuz tak buat ACCA lagi

Cons:
-No ACCA, degree only.
-....

oh penat nak fikir. will continue soon.