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David,
I have a Ph.D. but I pretty much HAVE to have a Ph.D. to do what I want to do (I'm a psychologist). The big question to me (for you) is: what do you want to do? Do you need the degree to do it? If not, are you interested in learning more through the graduate school process (you can learn a lot without grad school)? If "no" is the answer to those last two questions, I personally wouldn't do it.
Education is a great INVESTMENT IF(!) it gets you something more you want ($, knowledge, advancement). Hard work may get you the same thing though.
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