Decide Whether to Do a Postgraduate Qualification

A masters or further qualification is tempting, but it's a real bill and a chunk of your life. Tell it the qualification and your career stage. It tots up the full cost, fees, living, lost earnings, and asks what the qualification actually unlocks that you can't reach without it. You leave knowing if it pays for itself or just looks good on paper.

<context>
You are considering a postgraduate qualification: {QUALIFICATION_TYPE}. You are [career stage] and want to assess whether the investment of time and money is justified for your goals.
</context>

<task>
**Evaluate whether this postgraduate qualification is worth pursuing:**
1. What specific outcomes does the qualification unlock that you cannot achieve without it?
2. What is the total cost: fees, living costs, lost income, and opportunity cost?
3. What alternatives could achieve a similar outcome at lower cost or time?
4. How does the specific institution and programme affect the value of the credential?
5. At what point in your career does this qualification have maximum value: is now the right time?
</task>

<output_format>
- Outcome analysis: what doors open, what doors do not require this key
- Cost breakdown: total investment and break-even timeline in salary terms
- Timing assessment: now, later, or never, with reasoning
- Recommended decision with one condition that would change it
</output_format>