so you um-hum so you think it comes down to education or or something like that
( so ( you ( um-hum ( so ( you ( think ( it ( ( comes down ) ( to ( ( education ( ( or or ) something ) ) ( like that ) ) ) ) ) ) ) ) ) ) )
(ROOT (SBAR (IN so) (S (NP (PRP you)) (VP (VBZ um-hum) (SBAR (IN so) (S (NP (PRP you)) (VP (VBP think) (SBAR (S (NP (PRP it)) (VP (VBZ comes) (PRT (RP down)) (PP (TO to) (NP (NP (NN education) (CC or) (CC or) (NN something)) (PP (IN like) (NP (DT that)))))))))))))))
IT all boils down to how much education you have. 
( IT ( all ( ( boils ( down ( to ( ( ( how much ) education ) ( you have ) ) ) ) ) . ) ) )
(ROOT (S (NP (PRP IT)) (ADVP (DT all)) (VP (VBZ boils) (ADVP (RB down) (PP (TO to) (SBAR (WHNP (WHADJP (WRB how) (JJ much)) (NNS education)) (S (NP (PRP you)) (VP (VBP have))))))) (. .)))