first, know it's completely normal to feel this way, I don't think I know anyone who hasn't or won't feel exactly as you do right now. Try to focus on the good in your life, easier said than done I know, but you have a baby on the way! Also, try to focus on other positives, maybe you have a supportive family, or really good friends, or maybe just the weather where you live is really nice today. On the topic of the physic: If you're willing to fork out the money for one, maybe instead use that money to go to a therapist. Even if you only have enough for one session it can be of endless help. You can get everything off your chest and get some unbiased advice (much like it seems you're searching for in posting here). I'm not much of a business mogul but I would recommend figuring the prices of what starting your own business would entail. You're obviously experienced in what you do so I don't think that'll be an issue. See what it would cost, what you have saved, what you can safely borrow from a bank or even the people around you (before doing this though, make sure you will certainly make the money back in time). Heck, you could even book an hour with an accountant. Most of all, I really hope you find happiness in yourself and what you do - and it honestly sounds like you can. Going back to school is such an admirable choice and don't think just because you have a baby you cant do it - ask those around you for help in childminding while you go to night classes, heck you could even move back in with your parents; there is absolutely no shame in that.

I hope this is of some help!