DING DING DING!!! We have a winner!!
Here's the cold hard facts:
1) It's tough out there and competition is getting tougher all the time.
2) Degrees, certs, and real world experience are what seperates you from the pack. If you don't have them it will be the cut off that from even being allowed to interview.
3) It's easy to get a job that pays $25K-$35K range. When you're in your mid 40's and pulling a salary in the mid 60's putting all you eggs in one basket by relying on what one person says is NEVER a good idea.
4) You're only going to be the young guy for so long and there are more coming in behind you all the time that will do your job for less money.
5) Continue to educate yourself in all areas. The more feathers in your cap the better off you are.
6) A company that's committed to their employees WILL invest in them ways other than just a paycheck.