When I was an undergrad, a classmate told me a Master's in Physics was a "kiss of death". I did stop with a Master's (didn't even go to the graduation ceremony, since it felt like dropping out), though financially I'm good since I went into the web world (started around the bubble's peak). I kinda buy that it helped develop my analytical thinking skills, though in the long run I'm not sure that mattered. Recently I'm also feeling something else that I was warned about: what I'm doing isn't fulfilling. So, it's kinda cliche, but I'd say do what you like doing, not what you think will make you money.