Hi, Many people have offered some great advice on these forums, and I specifically appreciate the well articulated advice from twofish-quant. I am about to enter graduate school with a focus on condensed matter theory but I am fairly certain that I don't want to do research as a career. Some options I've been pondering are becoming a quant or computer programming (although i'm just in the beginning of thinking about these things). I am wondering about whether to attain one of these jobs I should go ahead and complete the PhD, or would my time be better spent directly acquiring the skills these jobs require? By that I mean, should I not even bother with grad school and instead do things like take programming classes, seek an internship, etc? Or would something intermediate, like doing a Master's, be beneficial to my career or ultimately a waste of time?