yes, I think education is very important now a days ,and you need plenty of money to have childern ,dipers, baby clothes, formula, activities, and babysitter maybe,trust me you need alot of money to have childern, and when you have a good job you will be able to buy anything for your child .It is really rough when you don't have any money and the child really wants something.you feel really bad ,you are probably wondering why i say that ,and the reason why i say you need plenty of money is because I have a teenager daughter and she wants everything she sees.and thank god me and my husband can afford to buy her mostly everything she wants, and plus you have to save up for college,and a wedding, so yes I think it is a great idea to get your masters,and lots of luck,i know you will do wonderful.......trust me you are doing the right thing and I promise everything will work out.