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!