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Five years ago I was a graduating from my Master in EE and went through decision making process of more school/more research, or financial stability.
I chose to enter the workforce. The idea working on my PhD into my thirties knowing that to ever become a full time researcher in my field I would have to move "somewhere undesirable" for a less than comfortable wage was the deciding factor.
By "somewhere undesirable" I refer to the random higher education destinations that await for PhDs who apply anywhere and everywhere in the hopes of getting on somewhere.