Just joined here. Baby steps is what it takes! I am 55 and just completing a post-bac certificate in a new field. Started about five years ago. It is equivalent in number of classes to a year of full time college. Slight hitch - when I started, hubby was fully employed. But no more. So switching careers, starting at the bottom salary wise, would have been no problem then. Now, may consider taking retirement early and at a lower rate, since I did not slave over these classes to not use them! Any experience in this area?