it's not about where you are and what you're doing now, but about those things 5+ years from now. Grad school is an investment of your time and opportunity costs as a stepping stone to what you really want to do. People are motivated by different things and in various proportions, be it money, fulfillment, legacy, whatever. And while this can change with time, i think grad school is the opportunity (as well as a test) to explore its career potentials and get a true grasp on what you really want.