Don’t apply to grad school because you don’t think you can find a job.
I worked for a while before pursuing my PhD and my experiences working in public health helped me figure out what I wanted to actually do for a living. When I realized that I wanted to pursue a doctoral degree, I was able to articulate what I wanted out of the experience and to look for a program that provided that. Being an older student definitely has its pros and cons.
Rob N. Candler highlights some of the issues you might want to consider when pondering the grad school question: http://me.stanford.edu/documents/ME_SSO/Advice_Paper_web.pdf
Joshua Rothman also discusses the “Impossible Decision”: http://www.newyorker.com/online/blogs/books/2013/04/graduate-school-advice-impossible-decision.html
Good luck with your decision!