Shelve all your plans for MSc, PhD & other academic related programs & channel the resources in Favour of skills development.
Academics are in the past while skills is for now & future.
My answer, both objective skills like physical goods & subjective skills like services or digital ones
Eg. look around where you are right now, what did you see, which one of those things you see are you able to build?
That is your money and your career if you build the necessary skills for it.
You get all those monies and surrender them to skillful person who made your shoes, bags, home appliances, bed shirts, tooth picks, chairs, paints, plumbing etc. Why don’t you do it?
All our universities should be converted to skills center while all lectures should move back to colleges of education. That’s where they belong.