It depends on what you want to do with it. You have to be honest with yourself.
I am a chemist, and straight out of undergrad I entered a PhD program, intent on getting my PhD in chemistry and eventually becoming a professor. Hated it, wasn't ready, left with a MS and got a job.
At my first professional conference, I spoke to a PhD chemist who had 30+ years in the industry, and I explained to him my dilemma about finishing the PhD or staying industry.
His advice was "Figure out what you really want your career to be about. If you want to be a technical expert and stay on the technical track, get the PhD. If you want to move up in management, get an MBA instead."
Talk to some folks in your field, I'm sure they can give you good perspective.
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