or.....
go mod!!! Take a few years doing weekends ready for 2012/2013. With very little debt and with no risk to Mommy and daddy's retirement plans.
Unless you have VERY rich parents, getting your parents to sacrifice 30/40 years of hard work is perhaps the most selfish thing anyone can do, especially when there is a recession on!
Honestly, I don't want to start a cat fight here, but who would hire you when you (and others) make decisions such as this?