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A Phd or even an MS will only get you an "atta boy" in the business world. You are NOT guaranteed jack crap from it. I know this first hand. However, it is nice to have and can open doors that were otherwise closed. Go for as much education as you can afford and stand.
Also, don't forget to take into account the amount of hours that salaried employees put in. I know a bunch of guys that make a ton of money but they work 8-10 hours a day, 7 days a week. If you figure out their six figure salary vs. the time they spend, they are actually worse off than many people who make less.
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