You are too money oriented. You need to ask SAP consults to ask these detailed questions, actually they are difficult to answer. As far as I know, SAP occupies most of the world's market share among all ERP softwares. Personally, it's conceivable that SAP will disappear after Oracle or any other ERP if there's no longer any need for ERP. As for the Function, FICO consultant needs a financial background; MM needs material management background; HR human resource; if you don't have financial background I don't think you can be a FICO consultant. Therefore, there is an extremely higher barrier to access the SAP occupation although SAP is not difficult but complicated and stubon. Even you finished learning the theories, you still need the system to operate; to be a consultant, you must familiar with all possible problems and the logic. Last but not least, higher education is a plus to be a consultant. If you make a determined effort to learn SAP, could you share your plan?