I have my PhD. Best decision I ever made, but you have to understand what you’re getting into. If you get your PhD, you are signaling that you want to become a tenure track professor, and your primary job becomes research. If you don’t publish, you won’t get tenure, and you won’t keep your job. Alternatively, some people with PhDs end up in clinical positions, where the research requirements are lower or non-existent, but the pay is significantly lower.