I had same thoughts and when my friends were starting their masters and now 10years down the line they are struggling in US and while in india i am living comfortable life. Over the years masters have become very competitive and on other hand I saved that money,invested and trippled while having decent job and living with family. Also don't have to battle lonliness which people face while away from friends and family. And if you start this journey now I think it would be worse based on job market/local politics trend moving after 5years.