The whole "it doesn't matter how old you are" attitude bugs me too. I do understand what's behind it and i do believe people should what they want to do. I also often lament that I don't have a degree and especially that I didn't go to school for something else, so I get it! But I find that many people who say this, along with stuff like "where there's a will...," don't quite get that, in order for me -- or many people -- to "correct" it, it would turn life as we know it completely upside down at this stage! And then they act like I am being so negative! I am really not, I swear; I just don't want to take out many loans and be starting again at this age and have no time for myself anymore. Saying "it's not worth it" in this scenario is less about being negative than it is about being practical (and it's not like I am completely miserable either; if I was, I probably would find a way).