MFA in Creative Writing?

After some careful thought and research I've decided against the MFA in Creative Writing, at least for now. An MFA in Creative Writing is really just an accessory as opposed to a tool. It's expensive and does little to get me closer to my goals. While I would love to have the luxury of writing full time, an MFA is just that--a luxury. Getting one doesn't bring me any closer to getting published. There are many people who publish books without an MFA. So yeah. That's settled.