If you look at the statistics of the lifetime earnings of someone with a degree and without a degree, there is at least a 75% premium. “Later in life”, you hav

If you look at the statistics of the lifetime earnings of someone with a degree and without a degree, there is at least a 75% premium. “Later in life”, you have kids, responsibilities, and probably don’t have parents who will subsidize your college degree either directly by helping pay for it or indirectly by letting you stay in their health insurance, car insurance and living at home. Money earned early in your career and invested is worth more than money earned later.