[misterrob]

It isn't for everyone but the paycheck thing means you negotiate a wage and benefits arrangement and you know where the check is coming from. Yes, they can fire you but it becomes more complicated to replace you when you have skills. And, with skills you get to go elsewhere easier than those without them.

The Millionaire Next Door is a great book. Balance sheet wealth versus income statement wealth. The latter wins hands down.

[GSlob]

In some fields excessive skills may be somewhat of a hindrance nowadays. While many PhDs are wishing they never learned the words "regrettably, you appear to be overqualified; we wish you all the success in your future career endeavors" there still are openings at BS/MS levels - at least it is true in my field.