Indeed I didn't finish my degree and would love to go back and even get a PhD! But.. it doesn't make much financial sense right now, especially when you consider that the earlier you save and invest the better the outcome, so I'm waiting till the time is right.

If you'd enjoy the structure of university life, that's certainly worth considering.

But if you're happy doing it independently, why pay $lots (and add at least some extra bureaucracy) to "make it official"?