My boss told me once that if I planned on a career in reporting, a master's would not be worth the money. I did go to grad school after I became an SID (HUGE tuitition discount for university employees), taught a class or two for a couple of semesters and was then offered a fulltime teaching gig at my undergrad alma mater. Pay is better than reporting or SID work, the hours are much, much better (I don't have any classes on Tuesday or Thursday and am through at 4 on MWF) and more flexible. I have a few weeks off at Christmas and I'm off all summer unless I want to teach a class for extra pay. My wife is an elementary school teacher and has the same holidays.
If you can at all swing grad school, do it. You might not need the degree now, but if you're looking for something else down the road, it can sure come in handy.