Well, a PhD is rarely a path to riches, particularly as you are considering becoming a lecturer. If you choose this route, you do it because you it's something you really want to do (you need all the motivation you can get to survive the rollercoaster ride that is PhD).
The hours (PhD and lecturing) are often quite long but very rewarding, i.e., you do this job because you love what you do rather than the money. I'm 6 months into my Phd and I love every minute of it.