Indeed - life is meant to enjoy. And right - you can't take money or degrees with you. I got off the merry-go-round (it wasn't merry at all) at 50. I had a bit of money then - but I was flat broke by 65. Since then, I'm pleased to say that now - I have as much money as I ever had at any point in my life - and consequently, I get along quite nicely. Even a few luxuries, like my eight guitars, a couple of good cameras - and my new sewing machine, now I'm a newly-minted fashion guy. Yes - I get to take what courses I really want -- play a little music - all kinds of hobbies, no money worries. If I DO get sick -- I'll worry about getting better -- not how to pay for stuff. It's pretty good here.