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JoshuaFox comments on Grad Student Advice Repository - Less Wrong
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All of these are true for me (or could be true if I applied to grad school again, and this time accepted offers like ones I rejected this time), but I am not going to get a PhD, because an MS in my field (computer engineering) is sufficient to get the high paying jobs I want, so I can start making lots of money for effective altruism sooner.
Sure, the PhD is on the whole an income-reducer, whether because of the opportunity cost for those years, or because of the reduced income afterwards.
It's only worthwhile if you enjoy it enough that the reduced income doesn't bother you.