Ph.D. or Señor Buster?

http://www.princetonreview.com/grad/research/articles/decide/phd.asp
The thing is, my Spanish professor threw out the idea. I mentioned here that the education program is filled with BS courses and homework, so I've wondered if that will affect my decision at all. Maybe I'll go ahead and get teaching certification, but starting early on a degree that promises about five years of constant research, starvation, and teaching sounds better than getting into something that might not be as enjoyable for me.
Why would I get a Ph.D? Questions I'm asking myself right now are:
Would I rather teach in college?
Would I rather be doing than teaching?
Do I want to be a student for another five years?
What are the advantages of actually getting a Ph.D?
Can I do the work?
The problem with me is this; I love to read. I love to be social. But I HATE doing work for things that don't interest me. That's where I'm having my biggest problem in my undergrad years. I hate to do homework. Will I enjoy reading books without ceasing, summarizing them, gathering information for a thesis, and in effect building my own project?
I think, at least for this semester, I'm going to stay in the education program here at MSU regardless of my nagging feeling that it's a mountain of you-know-what. I'll be writing research papers for my German and Spanish classes, so I'm hoping to get a feel (at least a small one) of what it's like to do that all the time.
What if, in the end, I get a Ph.D. and teach in high school? With such a high degree you're looking at (from what I've gathered) an approximately $35K increase in pay. Not that I need the money that badly, but if I like studying (and I do, in the sense that I like learning) and can get after doing something I love, then why not jump on it?
But I'm still wondering about becoming a missionary...I'm still thinking about the advantage of graduating with a very open job market that will help me pay off all my debts immediately, and even though I'm sure I want to be involved in language, traveling, culture and education, I'm not sure exactly which route I'll take now that I've come this far. The road forks off at least four different ways, and I believe for right now I can rule out the one that says interpreting. But the immediate choices (just to list them) are:
*Ph.D.
*Teaching certification
*Interpreting
*Getting out of school as quickly as possible in order to do mission work
*Dropping the education degree and hoping I can be hired to teach with BA's in German and Spanish
They all sound on some level appealing. Money is an issue, but only on the level of actually getting the money I'd need to do these things. For grad school, it's not too hard to get that paid for with teaching assistantships and things. Mission work would be, I believe, the most expensive. I'm not at all worried about lower pay later. I just don't want to be in debt the rest of my life.
I've been looking for a good way out of this blog, and since nothing's come up, I'll stop now.
~Buster