Graduate school isn't for everyone — here's how to know if it will actually be worth it for you

Now, if you're able to take on a graduate degree without any financial hardship, congratulations, you might as well go for it.

Brandon Moss, CFP, director of Client Experiences at United Capital, said when you're weighing the cost of going back to grad school after a few years of work, don't think about what you'll be earning once you graduate. Think about what you'll be earning for the next five to ten years.

" Be sure that you have a very strict plan ," he previously told Business Insider. "I'm doing this to maximize not what I make when I graduate, but I'm doing this at 35 so at 45 I'm hyper-positioned to be massively successful and take advantage of the next 10 years.

"The period of ages 35 to 50, for most people, are your peak earning years, so whatever I can do in my 30s around school, I want that to max those peak earning years. I don't want to be as concerned with what I can get at 36, but that what I'm doing during school is going to maximize these peak earning years for me."

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