College?? Certificates??

I'm 23 and want to go to school for business. Idk what is best though.. should I go to college or get certificates instead because the online schools I've looked at have both options? My husband is an OTR truck driver and is going to be an owner operator soon and in a few years we plan on becoming landlords and possibly maybe I could start my own business on the side, I'm not gonna go too much into detail lol but I've never done this before. First I have to get my ged or get my high school diploma online which won't take long at all and plan to further my education right after that. Are there any tips I can get from y'all??