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If you're looking for money, you want to go into industry. That being said, you'd probably be happier getting a MS or BS in a hard science, like statistics, engineering, computer science, math, etc, and then going into industry or consulting. PhD is very difficult, even for peopel who don't care about money; especially difficult if you just want to work 9-5 and enjoy your life! Its somewhat common for the high stress to cause anxiety and/or depression. Consider that as a risk when thinking about the pros and cons.