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Which is more lucrative, BS, MS, or PhD? Let's say BS you make $70,000/year, MS you make $12,000/year for 2 years and then $75,000 per

Which is more lucrative, BS, MS, or PhD? Let's say BS you make $70,000/year, MS you make $12,000/year for 2 years and then $75,000 per year and for PhD you make $25,000/year for 4 years then $100,000/year. If you assume a 9% APR, how many years until the PhD is worth it or is it ever worth it?

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