Study VS Work

Hey guys..
Yesterday, i talked to a guy during break-fasting..
We talked about the need of studies...
He told me that he had been working for 10 yrs (with a degree) and his pay haven't reach 5k per month..
So, i was wondering; does it worth to further study?
If so, what course to take?
I was thinking of degree in marketing, but; does it worth it? with the time and money that we spent for the 'degree' ?
He also told me, 'people doesn't look at how many degree's u had, but how much money u have'..
Which made me think like this 'it's ok to not having a degree but can makes alot of money'..
But he also tell me 'u're still young, it's not a waste to study'..
Today, degree's holder worth RM2200..
But, this is 2009..
What would happen in another 10 years?
How much degree would worth for?
With tonnes of degree holders, those employer will take this
advantage, by hiring those that offer lower pay.
And of course, the need of money will make people do anything to get a job.
So, is it study or work?
If study, what course?
If works, what jobs?
Damm complicating..
This is the hardest thing to decide..
Hope someone can tell me the answer..
=)