Currently I'm undergrad in Mathematics and confused about getting a Phd. I'm not interested in academia. I'm more interested in startups or jobs in the industry. The only thing that is making me to do PhD is solving research problems. Say I'm reading a machine learning book or QFT book or a random thought in my mind and I find something(a problem) that can solved in a different way(maybe a new discovery!!) and more efficiently and it involves some research. Will I be able to do that research and solve that problem with only BS or do I need PhD?