Really stressed about studying abroad, questioning if I should do it

Title. I am a second semester sophomore right now, and planning to study abroad the Spring semester of my junior year (so next year). I've always wanted to study abroad, I love to travel, but lately I've been super stressed about it and I've been wondering if I should even go abroad at all? Money has been huge. I am starting to apply for scholarships now, but I only have 3k in my savings account and while I'm planning on having two jobs over the summer, with bills and everything I wonder if I'll be able to save enough to go and afford everything I want to do (country-hopping is a main thing for me). I'm also worried about missing out at home, not being able to fully settle in to an apartment, and also I fear it'll set me back for grad school (trying to pursue my doctorate in psychology after my undergrad.)

I have been so stressed about it, and on one hand I want to stay behind, especially with money, and maybe save so I can take a gap year/semester to travel once I graduate in my undergrad? but I'm worried if I don't go, i'll miss out on a life changing experience and I'll always regret it.

For reference, I plan on studying abroad to England if I go.

I am desperate for any advice.