Justin, there is no better time to quit than RIGHT NOW and no better way to quit than cold turkey. You may have only been chewing for 2.5 years but you are just as addicted as I am after 30+ years. You aren't doing your brain any favors by trying to wean yourself.
It's not the dip you are addicted to, it's the nicotine. Take my word as I have tried the same in the past, it doesn't matter how much you dislike the taste of that brand you bought right now, your addict brain will eventually convince you that it tastes like a slice of heaven, so long as you are getting your nic fix. Think of all the disgusting addict behaviors nicotine has convinced that is not only not bad, but acceptable. Sacrificing time from your family and friends, hiding and lying, sneaking about. You think your addict brain will let a little thing like taste get in the way? Not a chance.
Having the 100 bucks as motivation is great and all, but you have got to want this because you are sick of being a slave to a focking plant. You can't quit for money, or family or a health scare. You have to quit for you, so make this about you and quit, 24 hours at a time then repeat the process. The plan is so simple, the execution can be difficult and that's where your brothers and sisters of KTC come in. Lean on them when things are tough and provide a rock for them to lean on when you are strong.
You CAN do this, today! No more tomorrow, next week, next month... grab your sack and get it done. We'll be here with you.
ETA: One other thing, time to change your vocabulary. Here we don't hope, or try or wish. Here we do.