What are your career/educational plans? Do you plan to stay in your career-field?

I started working at 18 and income felt great. Within a few years, I was being quickly outpaced by friends with degrees/professional certifications. Deciding to use the money I made to get a business degree was the best decision I've ever made.

If you love your job know and expect to in the future, great! Find ways to advance your career with certs/degrees. It will always cost time and money, but for most fields, will more than pay for itself.

If you don't love your job, start thinking about what you want your life/career to look like.