Since my daughter is now considering a career (or at least a university degree) I have tried to help her see the big picture. It's not like it was when I was a kid and a degree assured you of a good life long job. Now I feel its perhaps a hindrance. I know a classical education is good, but I now feel like an ad-hoc eduction is where the rubber hits the road. So what do I mean? I became somewhat successful by starting a couple of businesses while working a technical job (telecommunications). I researched everything via the internet, much of it through blogs and forums and opened my latest business in something I knew little about. That is really where my $ came from or making the most money for time expended.
The second part has to do with being happy and having more control over your life. That's the tricky part.
Finally some observation over the three choices;
1-Doctor. I know many, some unhappy, not my kind of work.
2-Own business. Absolutely, for the biggest bang for your buck. However, one must choose a business that they are compatible with.
3-Accountant. My wife is (or was) and accountant. She never liked it, but I believe she missed the point that an account sees the nuts and bolts of a business. Too me that can be very interesting. Bookkeeping sucks
Not Listed but discussed...Lawyer. I remember working a few days for a University on their graduation. When all the lawyers got their degrees, the Registrar walk behind me and whispered "See all these grads...none will have jobs" Perhaps a little much, but point well taken. Then I watched my wife's good friend become a lawyer...needless to say, things didn't turn out like he had envisioned.