What I've pondered over further education are questions regarding ageism when entering a new field. Going back to school in your late 30s brings up issues of employability and salary expectations that are not necessarily the truth, but result in exclusion from consideration for some positions.
In retrospect, I wish that I had begun a second degree a couple of years ago, because the last two years have been a colossal waste, and not even a snazzy piece of paper on the wall to show for it.
If you are in the financial situation where you can handle the loss of income for two years, my impulse would be to go for it.
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"By Grabthar's hammer ... what a savings."
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