As a soon to be graduate, you are considering getting a masters degree in your field before entering the workforce. Assuming the costs of getting a masters degree in your field are $20,000 a year for each of the next two years, and that this advanced degree will increase your expected salary (versus that with just a bachelors degree) by $10,000 a year, calculate the NPV of this decision assuming your personal WACC is 8 percent and that you expect to work for 40 years before retirement.