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What should I do, stay home with my baby or go back to work?

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My son is 3 close to 4 months old now. I am currently staying home with him but am dying of boredom and tired of being broke! But at the same time I love being home with my baby, he is amazing and he is such a good and happy baby. I don't wanna miss out on all those lil changes that are coming, you know first word, first time crawling. Also I have worked at a few daycares in the past and I would prefer not to put my child in one until I know he can talk and not be manipulated about what really happened. Lol, he'd probably have to be at least 5yrs old and unfortunatly I can't stay home that long. I've seen some crazy stuff at daycares! I do miss having constant grown up interaction, I just miss working. What should I do? Please give me your advice!