Certification vs. Formal Degrees. The first question you need to ask yourself is if you really want a formal degree or you are going to be fine without one. It is very possible for a non-degree holder to earn an income, especially online as there are many people that can find work in a home office that will pay for their online classes. However, you have to consider that the financial burden can be high and it may not always be easier to find a job that pays well with a formal degree than one that is less formal.
If you want a degree you might want to think about the time and effort it takes to get one. For example, some employers will only hire someone with a diploma so it will take some time to earn a degree. If you want to work at home or are just looking for a job in the field that you are interested in then you are going to have to take the time to earn a degree. In fact some employers are not interested in a degree unless you have done something related to your job such as working on a construction project. For some people, a degree is not required because they are just starting out in the field. Others might prefer to learn in a more formal setting because they feel more secure in their knowledge and ability.
In the end, it depends on what your goals are for your degree and how much you are willing to put into earning it. There is no right or wrong answer to this question. It is up to you to decide if you are willing to invest the time and effort into getting a degree over working at a job where you do not need a degree.