At the end of the day if you aren't hustling to make your income why should anyone reward you? It's the name of the game! Work hard and take risks and the world will give you back karma for for your troubles. I happen to have a degree, but I quit my cushy government job because absolutely no one worked hard. It was demoralizing! After 8 years I was feeling my soul was crushed each day I went to work. Working my ass off for my own company is so much more rewarding!