I’ve made this point before, Vera, and I suspect it will remain valid for your generation: on average (there are always exceptions!), those with graduate degrees earn the most.
That’s not to say a graduate degree is a ticket to a well-paying job. It isn’t. There are plenty of people with Ph.D. who aren’t earning much. And there are billionaires with don’t have any college degree. But averages matter. They help you assess the odds.
It also isn’t to say that the salary one can earn should be the sole factor in choosing a job. It shouldn’t. But it’s not irrelevant either.
You have two things to sell: your talent/abilities and your time. There is no sense in undervaluing either. That just makes life harder than it needs to be.