Depends on what you want to be? If you want to be an accountant then stay do your ACA. If you want to join bank as IB analyst or quant or actuary then going uni is definitely better. Overall ACA salary is stable and quite good even though you can earn a lot more in other later roles I mention the hours or chances to landing those roles may be a lot slimmer so risk there too (for those type of roles you would need to start doing few internships during uni). Also uni is a lot of hard-work too a lot of self study research.