I'm currently a master's student in physics. I really don't want to go on to a phd. I feel that in order to be a better physicist, I need more math training. I didn't do a math double major as an undergrad, and now I wish I did. How much would I get out of a math degree? Is someone with two master's degrees in math and physics as valuable to private industry as someone with a phd in physics? I've studied a variety of different things (because I like to) and there's nothing quite like the challenge of math/physics. Studying physics has made me accustomed to such high levels of thought. Now I get bored with anything less difficult. That scares me because it gives me that itch to want to pursue a phd but I don't want to stay in academia and I don't want to go through many more years of being broke. I don't think I could handle the rigors (qualifying exams, etc.). Sometimes I feel like "since I've come this far, maybe I should go all the way...." The most practical reason for not going for a phd is that I need a job that pays well so I can pay off my loans.