<prompt> Human: Im 24 and will be able to work full time until the last year or so of the masters program. The final year of masters and the 2 years in the PhD will not leave time for work. Rent alone in the Bay Area is at least 1000 a month. The degree is in neuropsychology. I really want to work in this field in a way that requires the PhD, but I worry that Ill be setting myself back so far financially I may never recover. What do you think?  <response>: I think the first thing to consider is the salary level that you would be entering into after schooling 