Even if my background is different, I did not have debt, and would not directly have incurred in debt by doing a PhD, there was no way I could justify it. At so

Even if my background is different, I did not have debt, and would not directly have incurred in debt by doing a PhD, there was no way I could justify it. At some point I would have to start earning serious money for me and my family. No way I could delay all 5 years, to have a title that would help me in no measurable amount to earn more money later. The ROI of a PhD (if you see merely as a financial decision) makes just no sense.