Not sure if to do a PhD or a Master's in Mathematics. I could easily do either and would have no problems getting into a good program. A Master's is so comfortable. Like imagine just taking classes, online sometimes even, and then taking an exam and you're done. But I have so much time in the summers and the winter breaks that I can write research papers and just turn in a dissertation like homework I did in advance without a problem. The Master's is only 2 years, the PhD is at least 4. This also doesn't make much of a difference. This is the hardest decision I've ever made. Idk. Thoughts?