Never do a PhD for the money. Ever. It's not worth it, compared to using your skills to get a good education BSc / MSc and then start your career. You miss so many years of good income, plus income growth and will always stand out as the theoretical type.
That being said: it's all about curiosity and people. So if you're curious and have the time / money... go for a PhD!
That being said: it's all about curiosity and people. So if you're curious and have the time / money... go for a PhD!