As a freelancer you will rarely (if ever) be asked about your educational experience. If you were for some reason, then a bachelor's degree would probably suffice. If you are good at what you do, then you will have high enough demand for your work that you can pick the work you do. If a potential client makes unreasonable demands, then you simply go with with next client in line.
The world moves fast. If you have an idea about a certain niche for enterprise software then right now is probably better than a year from now. The earlier you can break into a market the better.
A degree is more important for working for others. You need that degree to get past the HR gatekeeper. In the freelance world, things are different. I don't even have an undergrad degree and I have had no shortage of freelance work.
Once you go freelance, you will have a hard time convincing yourself to go back to working for someone else. Leave the grad degrees to the academics. For hackers, grad degrees take us out of the real world for too long.