I've always valued education, though I didn't enjoy the process of becoming formally educated. I hold a BSEE and an MS in Systems Engineering, but I feel like, well, a loser b/c I never earned a PhD. I'm 48, semi-retired. I don't want to go back to school. I don't really like academia that much. I just feel like I need to get a doctorate for myself (it's very unlikely I would ever depend on it as a credential for a second career). Words of wisdom I have received center around "only those who really love academia should consider the immersion required to earn a doctorate". Thoughts? Thanks.