Stay at the industry (I'm an IT person and I do have a PHD). At least until you have enough savings to be able to pay for the PHD and all your expenses for 4 years straight up without working.
Your job may not be as interesting now but you can slowly transition, learn or specialize in what interests you, meanwhile a PHD only teaches you how to bull 4 essays in less than 1 week, cite in APA and describe stuff. You could have the cure for all types of cancers but to academia it is useless unless you get into the paper publishing game of writing useless theoretical frames explaining where the word cancer came from and who researched that word before even explaining whats the cure. (Just saying this will hurt a bunch of sensibilities. Expect many downvotes)
Plus a 3-4 years PHD is already out of question for the demands of the modern world. 2 years is the average now. The option of working and doing a PHD simultaneously is hellish for your health (among my PHD generation I ended up with column and sciatica problems, a friend got facial paralysis, there were divorces, loss of jobs, ulcels, a mental crisis...etc. And that IS sadly normal.) Oh! and to get some scholarships normally you are required to be a full-time student, so you cant even work if you want the scholarship.
Besides, you can do a PHD at any age; while getting up on your career and good money becomes difficult with age. Plus you lose on retirement savings.
In sum, unless you wish and plan to enter academia as a full-time professor or researcher I would recommend you to skip on the PHD for now or analyze better your life plans before choosing. Think why would you really want to do a PHD.