It’s not a waste of time, if that’s what you want to do.

I read this three times as a “terminal disease”... funny things is that I AM working on a terminal degree….

I started when early 30s
now late 30s

I feel like it took a lot of fun out of my 30s. I plan tp finish, but it is the most stressful and difficult thing I have done.

I’d be sure to examine WHY you want it.

If it’s for economic reasons, maybe she’s right. But if it’s something you’ve always longed to do, you can live on the salary (or lack therof), you are passionate about the subject, etc., then economy is somewhat beside the point. It all depends on your reasons why. Good luck deciding!