It really depends on what you want to do. If you want to go into a professional career, you will need to go to college. But if you want to do something which does not require a degree, then see if you want to get into it. Education is not a cheap thing nowadays.
You said that you want to help people get over their fears. Ok - now what kind of professions would have that as their purpose? Psychologist? Psychiatrist? Life Coach? You might want to look into being a life coach. I don't think it requires a formal degree, but a certification. That isn't as long or demanding as a degree and it will give you something tangible of proof of your credentials.
That said, just because you have an education doesn't mean you'll be successful or wealthy. Education is believed to be evidence of learning, but that is not always the case. But I agree with your dad - keep your options open. You don't know what will happen down the road. The cost of living is also steadily increasing and people have to work longer hours, and even require their spouse to work, to pay the bills.
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