"they (or their children) need to acquire those skills that make them employable in the 21st century" Who's going to pay for that? Who's going to pay the mortg

"they (or their children) need to acquire those skills that make them employable in the 21st century" Who's going to pay for that? Who's going to pay the mortgage while they go back to school? This is, of course, not even getting into the rampant agism in a lot of industries, and that many of these people are over 40.