Highest level of education is actually worth hving. Although it's not a do or die thing for me except it's in your bucket list. Education is good I’ll be the first one to tell you that, but at the end of the day you do not need a PHD to make a success out of your life, do you? some people go al the way up to school thinking that is the key, but it is not, what you need is to find something that you are passionate about and grow that, it could be a trade, a skill, something that will help you live a happy and comfortable life. You don't need to gather all the degrees before you are happy or even make it in life so you should be wise while making your decisions.