[raveenb]

Which ever masters+university combo you choose, pick the one that gives you time to explore things around your chosen area. At, your experience level, academics alone will not help, you should be able leverage what you already know and are good at alongside your academics.

In my case, I was good at software and had opted for masters in business. In my free time I explored more on that area while on campus like - hacking groups, startup weekends, inter university competitions (Princeton, Penn, CUNY) and such. By the end of my masters I was able to start my own startup and we got picked by Techstars.

PhD's I'm not sure. Although, I would love to explore it yet again, perhaps in my 50's :)