Is doing a pHD worth it?

Hi everyone, I have never posted here but I have a genuine question. I have been working in the biotech industry for the past 3 years with a masters. I feel like in industry you don’t do research like in academia and it doesn’t feel satisfying anymore. I want to go back to school and get a PhD. It is hard I’m 34 now and by the time I get into a program I’ll be 35 and by the time I finish I’ll be 40. Is it really worth 5 years with little money?