What approach should be taken to pursue a PhD related to urban planning or social/economic geography

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(2) Pursue the MBA, then pursue PhD

(3) Pursue Masters Degree in another area such as economics or geography that complements my previous education on the political science and urban studies side, then pursue PhD

Back 10 years ago when I was still in grad school, the professor who was my advisor had suggested to me that I go to an MBA program. I had not thought about going to get an MBA before, but he saw that I had loaded up my urban planning coursework with electives in social statistics and economics (he knew I could have taken a lot easier courses). He wanted me to consider going to a place like Wharton. He felt that the combination of a masters in urban planning and an MBA would be a dynamic combination for someone interested in community development. I considered that, but like I said, I need to eat and since I came from very modest means (poor), I needed to work. I am was already in debt trouble, so I wasn't interested in taking on more student loans and will not ever take out any more student loans (and I intend to self-finance any future education and/or pursue any available grants).

Now that I've been out for so long, not only am I academically rusty but I've also lost contacts with potential recommenders (a few of whom have since passed including my graduate advisor). So as I see it, at the minimum I need to take a few college courses just to make sure I still got the touch, as well as for the regular business of getting recommenders and strengthening my transcript.

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What approach should be taken to pursue a PhD related to urban planning or social/economic geography

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