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Also note that many graduate programs are free* — if you don’t count lost wages or the cost of the prerequisite undergrad degree.
But it all depends on what you want, with a fair amount of luck thrown in IMHO. You can have a lousy job with or without a degree, and you can have a great career with or without one.
From ed.gov:
Overall, the median lifetime earnings for all workers are $1.7 million, which is just under $42,000 per year ($20 per hour). Over a 40-year career, those who didn’t earn a high school diploma or GED are expected to bring in less than $1 million, which translates into slightly more than $24,000 a year ($11.70 per hour).
*Or rather, funded by your research/TA/etc.
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My current “house rule” is to start with yesterday’s word.
Exactly — this is ~10GB every 6 hours (which is probably a reasonable amount of time to run a backup while not interfering with active Internet use).
Basically the only backup-worthy content I generate is casual photos and videos, and these are nowhere near that size (Immich database backups also take up a bit but I could certainly be smarter about how I handle these backups).