IMHO if you’ve got the drive and the means (or the borrowing capacity), graduate school is almost always the right choice. Education is still one of the best investments. But it doesn’t come without many costs. First the real cost, then the opportunity cost of not working and then the stress and anxiety around getting through graduate level course load is real. Don’t underestimate any of that. But 25 years later when a client says wow you went to graduate school at xyz and got that degree! All worth it. But besides that superficiality the things you will learn and the places you will go. Worth it too!
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