Not as simple as thinking of ROI.

If you can get any job, but that job has a **** starting pay, your lifetime salary potential is going to be hobbled because of that. SG companies are generally **** when it comes to salary increments and promotions, so if you start from a lower rung you're ****ed no matter how "talented" or "valuable" you are because companies won't up your wages more than what they call "industry standards for wage increments".