I'll give a cynical view based only on money. The opportunity to obtain a phd is worth more than 50k. There will always be well paying tech jobs, but although g

I'll give a cynical view based only on money. The opportunity to obtain a phd is worth more than 50k. There will always be well paying tech jobs, but although getting a PhD later in life is possible, giving up the salary once you are used to it may be practically impossible. Meanwhile the PhD will likely open up options for you later in your career which might otherwise be closed. You should do it now because otherwise you never will and it'll cost you in the long run. So that's the money grabbing view. If you take into account the satisfaction of doing original research too, it becomes a no brainer to finish the phd, in my view.