I Think Experience contribute more than your paper degree. When I entered life insurance Business I didnt have any experience or degree certificate with me. In span of five years my business experience I got confidence .I am able to get good money through my business and finally I left my secured job. Which is fetching 24000/per month. Know I am earning more than 75000/- per month in my personal finical advising business. so I believe experience contributes more.