Every government all over the world has investment strategy for primary schooling to PhD education. Five years duration of primary education is mandatory for child although 100% child is not going to school in poor or developing countries. Self-earned money relates to direct financial solvency and financial achievement. Oppositely self-studying is a long-term effort for self-investment. Self-education relates to be an educated person for self-development. Self-studying directly reflects for national and worldwide contribution. Self-education reflects for society contribution and automatically minimize social crime all over the world. The self-studying has no self-earned money directly. The difference of investment between self-studying and self-earning has been compared. Self-earned money gradually generates the financial achievement and self-education enhances self-development to be educated person. A self-studying student self-finances around 45558AUD during 22 years academic schooling from primary to PhD degree under very minimum payment of poor or developing countries all over the world. This is a very patient self-financing through self-studying without getting immediate reward of life journey. Financial achievement of a PhD researcher is comparatively very minor in terms of their society contribution.