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BTW, the other thing I'd say is that a PhD doesn't give me immunity against losing my job or being overeager to buy early or something like that.

True, but it being in computer science sure doesn't hurt. I'm stunned at the internship our 18 year old got for this summer, even after just one year of school. He was told at school that internships typically go to go to Juniors and above, yet he still got an extremely well paying full time summer gig with only 30 credits under his belt. The market is hungry for comp sci degrees. Your PhD is not in English Litt.

That said, it's good you are not cocky about it. In a bad economy even the most talented can go without a job, and in that case your PhD would hurt, not help. You'd be considered over qualified.

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