Study the business aspects of microbiology or biochemistry or Biotechnology, If u are not interested in doing research for your whole life..Phd takes a long time and is all about Research, working working working on Lab. You dont' wanna spend all ur life doing research, studying books, working in labs, working with bacteria and all that crap, do u ? If u wanna make money, try to do a dual degree(i m not quite sure about it) which will be good in finding a job in Industries or any other companies where u can choose a business side of Biology or something like that..Also nowadays i've seen People doing MS in Science(biochem or Microbio) + Law, which is good for making Money, ALSO BIOINFORMATICS would be a good choice too.or Like Killerspin Said... I m going through a similar situation too but its just my thought. Good Luck.