A masters degree is worth it when it clearly advances your career or is needed for your field, but it is not automatically worth it, so the decision should be deliberate.
A masters makes strong sense when your field genuinely requires it, such as research, academia, or certain specialised roles, or when it clearly opens better jobs, higher pay, or a change of direction. In these cases the time and money pay off.
It makes less sense when you do it only because you are unsure what to do, or to delay entering the working world. A masters with no clear purpose, especially an expensive one, may not deliver the return you expect.
In many fields, gaining a few years of work experience first, and then doing a masters, adds far more value, because you enter it with clarity and often with employer support.
Weigh the cost, the time, and the real benefit to your specific career before deciding, rather than following the crowd.
Example: A student unsure about a masters worked for two years first, discovered exactly what specialisation would help, and then did a focused masters that clearly boosted her career.
One practical tip: Do a masters when it has a clear purpose for your career, not just to avoid deciding what to do next, and consider working first, since experience often makes the masters far more valuable.