I'm not yet 40 but feel to old to start over....[/QUOTE]
I am 40 and I felt the same way about starting over until I spoke to my doctor; he is also a good friend and knows me well. He said even if I took a four year degree, I would be done school before I am 45 and have 20 years left to offer am employer. For me, that comment alleviated a lot of the feelings I had about being too old to go back to school. That being said, the adjustment to a lower financial situation isn't appealing.
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