I totally agree. I'd also extrapolate on "If you have no goal, school (and more debt) probably isn't going to help." because I agree with that. Instead of mak

I totally agree. I'd also extrapolate on "If you have no goal, school (and more debt) probably isn't going to help." because I agree with that. Instead of making school the goal, recognize that School leads to a goal of a "Skill set" / "Knowledge base" Therefore, the Skill Set & Knowledge Base are actually the goal. And both can be had without school. As can credentials-- in the form of certificates, rather than school. I am a software developer at a "Fortune 1000" company and my company likes employees to have certifications. I am currently studying for a Kubernetes certification for example. Anyway, to get back to the idea of a goal-- I'd pick a goal based on what is in demand in the economy. For this, you can check out the Bureau of Labor Statistics -- such as by googling: "BLS Fastest Growing Occupations" and/or checking this page to get a sense of projected job openings vs. salaries: "Visualize it: Wages and projected openings by occupation" https://www.bls.gov/careeroutlook/2019/article/wages-and-openings.htm https://www.bls.gov/careeroutlook/2019/article/wages-and-ope... I recommend picking a goal of a developing skillset for an occupation which doesn't require a degree, but which focuses on the skill set instead. But that said, a degree is OK too... it's just that: 1. it's expensive (in the US at least), 2. it takes years, 3. many classes in most degrees aren't applicable to jobs.