I think first thing you want to consider is what do you want to be or what kind of job you want to obtain, then go for the higher studies for the role you want to take on. Doesn't mean you just take any higher study courses and you get better job or salary. You need to focus and target for the position you want to do and find out what you need to obtain that role... watch the movie Pursuit of Happiness, this should give you an idea of what the main character in the movie did to achieve what he wanted in his life and for his family.