Your personal financial situation should be a big factor in making this decision. Numbers alone shouldn’t dictate whether you go back to school for an advanced degree, but they sure can help you decide. On the pro side of graduate school, more education typically leads to greater income. On the con side, reaching those upper scholarly ranks also costs more money.
When you get a tax document in the mail, put it in the file right away. This will save you from begging a disinterested customer service rep at the last minute to send you a copy of something you "TOTALLY SWEAR YOU NEVER GOT!"
Hey I've been looking at your page and I value your opinion. I'm a songwriter and I know it's something I will become successful doing if I could do it more consistently. But 20 is a good age to start realizing that some dreams are too far fetched to tackle full force, and there are other things I love doing that will actually pay bills NOW. Should I backburn my dream to live comfortably while I try to make it come true? Or should I continue to make barely enough money as I tirelessly chase it?
Most would tell you to just go for it, but that’s bad advice. 99.9% of people that go for it end up failing and you never hear about it. Nothing is more miserable than failing at something you love and be completely broke at the same time. It’s okay to do something that pays the bills while you chase your dream after hours. Have a day job, so to speak. Get better at your craft day by day so that when you do end up going all in, you’re more likely to make it. I hope that helps.