A master's in math is a very hard to fake, strong signal of intelligence and some moderate level of work ethic (despite what you might think!). That already put

A master's in math is a very hard to fake, strong signal of intelligence and some moderate level of work ethic (despite what you might think!). That already puts you well ahead of the curve in a lot of ways, so take heart that you can probably find a job somewhere with those qualifications. That being said, it's considerably easier to get your second job than your first job, especially if you get it while you have your first job. So I would take something you think you've already got a shot in, but then just keep applying to other, more interesting places (at perhaps a slower pace). If I were in your shoes I'd go down the consulting route, but with an eye to change out as soon as possible to another location, perhaps after a year or so. You've already got offers from there, after all. But you have already stated a strong preference towards overtime, so insurance it is. The important thing is to get started, imo. As for avenues you might not have thought of: I can only recommend reading https://80000hours.org/2013/11/summary-of-our-thoughts-on-how-to-pick-a-degree/ https://80000hours.org/2013/11/summary-of-our-thoughts-on-ho... , and then everything it links to. These guys bat above par when it comes to career advice because they're sort of the top nonprofit for smart, tech savvy people looking to max out their professional impact on the world.