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In discussing whether pursuing a PhD is essential for being useful today, the consensus leans towards "mostly not." To determine how to be most useful, one should consider the "utility delta," which is the difference in utility between their creation and the current state of the art. Additionally, the potential impact on the number of people affected is crucial. Solutions that create a significant difference for a small to moderate number of people can be valuable, as can those that make even a minor difference for a large population.
