go for masters...think about long run...don't think about earning ......short run.....as most of the masters is supported by uniersities or some sort of funding...its not like that if u don't get job then have to go for study.....but its for your future.....if u have education then it will help u not in us only bit u can compete.....anywhere else....i know a lot of persons....who regret for just doing undergrad....as it hinders in your future career.....but if you want to have to have some sort of work experience then you can work...for some years...but don't give up to have to have your degree...but it depends on your feild also.....however, whatever is your field ....education alwasys gives you better option.....wish u all the best for your decision and future....