I would take the money, and I would travel for a year. See 40 countries. Go to Asia. To Africa. To South America. To Australia.
When you come back, you will know what you want to do.
And you'll be a lot wiser for it.
Push your horizons out.
Start watching around 8.00 or so, the first bit might not be interesting to you.
Ross Beaty - Casey Clubhouse Reception - YouTube
This is the best advice you could ever get...don't ignore it.
The best thing I ever did in my life was travel long-term. No, it doesn't help your business directly, but it's the best life ROI you're going to get.
The confidence I get from traveling translates directly to my business. I've been dropped into rural villages in China where no one speaks English and canoed in crocodile infested waters in Vietnam...do you think I'm going to be intimidated by a potential client? Please.
Take at LEAST a few months somewhere to travel and THEN come back to this. You'll probably find that you have a fresh new prospective and a laundry list of awesome stories from your time abroad.