Skill is good and educational certificate is also good. Having any of them can actually put food on your table, but the question is which of them will you let go for the other. I mean education can get you a white collar job the same way a skill can too. For me i will let go of the skill because skill without basic education is not good at all. Because I have seen a situation whereby a guy with good skill who got a job was unable to give quotation and he lost the job .Formal education is good for everyone.
I have a Business Degree but I have never used it because every bank and finance-related job pays very low in my country and to be fair, no one has ever asked me for any kind of degree when I had an interview or was landing a job. The only place where you need a degree is a public job but you can't get this job without having someone in the public sector because it's very corrupt.
I started a career in UI/UX design because I've been working on websites since my childhood. No one has ever asked me for a degree but a portfolio, so my skills landed me a job, not my certificate.