follow your passion and do not fear failure
Don't listen to what people say! no one knows what the next week in ICT land is going to be. It's going to be better for smart people and great for budding ICT geniuses. I have had similar concerns and learnt that employers don't really care about certification/higher qualifications. If you can prove that you have hands on experience and have the right attitude - world is your oyster. Certifications and University degrees have a very short redemption period if they relate to cutting edge specialist skills. You would find that every 6 months Java has a new release, .NET has a new release and same goes for other frameworks. Hence the chase is not a one-off but an on-going exercise.
If I was in your situation, I would draw a Venn diagram
1. What Skills are you passionate about?
2. What Skills are in demand today and are likely to be in demand in 5-7 years time? (Programming is a skill, Java/.Net is not a skill --- very important understand the difference...)
3. What Skills are employers willing to provide intern-ships or traineeships on? (very important to understand the market)
Focus on intersection of two or more areas. Start small and keep asking (yourself/peers) until you are satisfied... then take the leap of faith.
Above questions can be hard to answer correctly, but once you can answer them you would find that no one can be a better guide than yourself.
I would say do not chase the money but your passions.... you would realise that your passions take care of you if you exercise discipline in ICT industry!
Pro 
