[mathgeek]

Do whichever feels right: going for more education will open you up to different jobs, but going into industry will get you 5+ more years of income (which includes retirement savings, doing fun things that cost money, etc.).

Don't forget that you also are going to usually wait longer to have a family if you go to grad school, although not always. That might be a bigger deal breaker than you might realize right now, so think about it.