Degrees (or positions) are not the main thing, but only as a tangible bonus that allows you to raise your standard of living, but skills are a more important “tool”. A degree (or positions) without skills is a hollow dummy. But skills (skills) supported by a degree (position) already give considerable power in changing life for the better.

Money (bitcoin) can depreciate, be stolen, lose access, etc., etc. You don't need to bet on just one horse. It's good to have savings (conditional 5 BTC), but you need to continue to improve professionally in your field. It is a very valuable asset because it cannot be taken away, lost or devalued. Anywhere in the world (almost like bitcoin), if you are a good professional, you can apply your skills.

I don't like questions that ask you to choose from two or more options. In such cases, the thought arises why it is impossible to combine and the most powerful combination may look like this: skills (abilities) + degree (position) + savings (5 BTC). Separately (in various combinations) this also works, but not as effectively. You need to choose the best for yourself from several options. There is no need to limit yourself to just one.