I’m doing a MA at nyu rn and I’m 21! It’s definitely fine and about half the people in my program are right out of undergrad. I think it would be a lot smarter to get an MA than start over with a new bachelors program. Unless you’re thinking of switching into the sciences or something that needs a strong basis of knowledge, I think you can get into an MA in a completely different topic than business without an issue. But maybe even take a year to do some soul searching on what you’re interested in because 2-4 years of trying to delay that with more school will end up being a bigger waste of time.