Rolling deep into anecdotal avenue, but my thoughts on grad school • Lucrative fields like medicine & dentistry saddle you with enormous debts (often in the mi

Rolling deep into anecdotal avenue, but my thoughts on grad school • Lucrative fields like medicine & dentistry saddle you with enormous debts (often in the mid six figures) that take multiple years to pay off. The ROI is probably worth it if you work to 65, but you're locked in for easily twenty years, and such high debt levels make taking risks very difficult. • Lucrative, but more populated fields like law & business also often saddle you with enormous debt, and for these degrees you need a school with a strong brand name to get a look in anywhere (if you do an MBA and you aren't at Harvard/Stanford/Wharton, and a very few others, what's the point?). • In a lot of fields (liberal arts/social sciences) what's the point of getting a masters? Do you get an earning premium? Is the earning premium worth the opportunity cost? I'd be surprised if the answer is often yes. I have a friend who was a teacher and is now studying to be a families therapist. Lovely person, but absolutely terrible choice. Years of additional study and debt, and no hope of a future earning substantially more money to show for it all. I agree completely with your points about teenagers not doing enough due diligence before they study.