Thanks for your response. I tend to what you are saying by my actions (not getting a degree), but I wanted to make sure I wasn't just convincing myself it would

Thanks for your response. I tend to what you are saying by my actions (not getting a degree), but I wanted to make sure I wasn't just convincing myself it would be a drag to go back to school. I agree with most everything you said, but somewhat confused by "When you're 22 a PhD is a reasonable deal [...] When you're 32 it's a significantly crappier bargain," because I'm just rearranging years of my life, right? I mean, a 22 year old who had the possibly to enter the workforce also had an opportunity cost, albeit lower than mine now. Is that the intent?