If you are happy, then don't make yourself miserable.
If you think money is adequate for yourself then don't do it.
However, if you intend to have more of the trappings in life, and
wish to provide more than the basics for children you have or
intend to have, you will need big bucks.
Over a lifetime, (using historical data) degree holders will make
more money in the end than non-degree holders.
Money isn't eveything but it does solve a lot of problems ...
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