Count me in with those who got duped. I graduated fourth in my high school class, turned down a full college scholarship and went off to "pioneer where the need was great" in the middle of nowhere-- small town, North Dakota, USA in l976.
I didn't wake up to TTATT until I was 52. My husband is older and too near retirement for us to spend money on a college education now. I do love learning new things though and am currently taking an online class called Fundamental of Photography from the New York Institute of Photography. I'm very happy with their program. I've always been told I'm a good photographer. I like working with the professional photographer who is assigned as my mentor.
At least we have some retirement savings in Simple IRAs. I am the Human Resources administrator for our small business. It's my job to make sure we have good health insurance and other employee benefits. We also have long-term disability which is a relief, because my husband is having some health problems now, and we may need it.