One never knows the future of course, and you can never know how the shoe store will due in the future, Styles change rents increase (Alot of famous stores have gone out of business because of this) , neightborhoods change.
I cant tell you if a college degree is going to make you more money or not and of course Hashem provides. But if you and another person are applying for a job as a lawyer and the other person has a law degree and you dont, I can reasonably assume he will get the job and you wont.