Is self-study just cope?

I somehow managed to complete an applied math degree without doing any of the standard, real deal courses (no real analysis, no abstract algebra, no point-set topology, and my linear algebra course was kind of a joke). This didn't raise any red flags at the time because I really didn't have a good understanding of what true mathematics is.

Now I'm working through Two's Analysis I. It's really fun and pretty relaxing, but I'm moving at a snail's pace. Probably moving slower than the equivalent 1 semester course. And then there's still more catching up to do.

Is the only answer pissing my money into a Master's?