First of all, education is an investment. You invest time and money, and the benefits you get are manifested in many forms, such as getting a better job in the future, the sense of accomplishment after solving problems in life by your own knowledge, the satisfaction of interests, and the sense of honor of senior intellectuals, which are immeasurable. If monetary income is calculated only from the perspective of economics, the yield = total income ÷ total cost-1.

Among them, the total income is the final value of the economic benefits you get in your life after choosing education. It is very complicated to predict your life span, total income and final value coefficient. The costs include direct costs and opportunity costs. Direct cost is the final value of your monetary investment in education. You should also predict your life span, investment time and final value coefficient. Opportunity cost is the lifetime income and ultimate value you get by choosing other paths instead of education. You also need to predict your life span, annual income and final value coefficient. The final value coefficient is the ratio of the income you get after investing money to the investment amount. For example, after you deposit 10,000 yuan in the bank for one year, the interest is 500, so the final value coefficient is 1.05, and the final value coefficient for two years is 1.05? Of course, if you take other investment forms, the final value coefficient will be different, so the final value coefficient also depends on your investment method. Generally, we use the interest rate of national debt, which is about 10%.

Of course, if it is too much trouble, you can directly estimate your total investment, total opportunity cost and total income.