Am I a tard for not wanting to go to grad school?

[NickMPK]

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? how is 45k/yr not a really good salary right out of undergrad?

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QFT...I made $45K my first year out of law school.
How much money does a 22 year old need?

And graduate students make a lot less than $45K (like, half that).

To the OP, I don't see why you would be considering grad school anyway. You need to be really into academia to succeed, and it doesn't sound like your GPA is high enough anyway.