I have a friend that is taking courses at 50… but we’re not in the US

My Mother got her Bachelor’s degree at 55. She graduated with some rare honours.

NEVER stop learning!

When you’re dead.

My spouse is finishing a degree at 36 and kicking themselves they didn’t do it sooner. I’ll have some extra time in about 2 1/2 years and I want to try and fit in a class or two. It just depends on your situation, but if you’re needing a degree to get a better job, you’ll want to get to that earning potential ASAP. The cost could potentially just be a drop in the bucket if you still plan on working for another 30+ years. It can also be rewarding just to expand your knowledge and grow in unexpected ways. My advice is to just do it and get it over with already. Especially if it will lead to better opportunities and earnings. Or don’t, it’s your life.

My wife got her masters degree last year, at age 58.

I last took classes at 36. Never got a degree though. I’d feel silly with where I am career-wise taking classes now, 11 years later.

It’s never too late. If you’re 110 you might not make it to graduation though.

I’ve seen people of all ages and career stages in classes. I think the least represented is 30-50 though, so I guess most people study while they’re figuring out their career or when they’re sick of the career of their past 2 decades. This was in the EU though where university doesn’t lead to guaranteed financial ruin. I also know of some people who were working full time and did a longer degree with “evening classes”.

community college is flexible

58

Prefix: My answer is geared towards America and assumes you can start gathering Social Security at 62 and has not been accurately researched for viability.

Take on loans if needed and become a student.

Use student health insurance.

Graduate in 4 years - if you can nab a paying job you enjoy then go for it. Otherwise start collecting SS and whatever other benefits you can muster.

If you can’t pay back loans - what are they going to do about it?

Hopefully by not going into debt with school earlier you were able to stash some more into retirement vessels earlier and maybe that’ll help.

I graduated as a kid with 2 retirees in my psych classes who told me getting their degree was one of the most important, rewarding things they had ever done.

Also, nowadays you can travel abroad in dozens of countries, take English-languages courses and get accredited degrees in every field for very affordable tuition fees, as in 90% cheaper.

While you’re attending those schools, your cost of living will be dramatically lowered as well.

If anyone wants details, talk to here or in Travel.

I was in college with a retiree decades ago. A coworker old enough to retire told me today she's thinking about going back for a lmsw.

Just finished my bachelor’s at 39. I know people have finished a lot later than that too.

It depends on if you’re going back to school for career reasons or personal enrichment. For the latter it really is never too late. For your career, though, too late will depend on when you’re hoping to retire, when you’ll complete the extra schooling, how much the school will cost, and how much more money you’ll expect to make with your new degree.

Without any info, assuming you want to retire around 65, I would think it would be normal to want to use your new degree for at least ten years, so whatever schooling you’d want to do you would want to be finishing by the time you’re 55. But those other variables come into play. If you’re borrowing $100,000 to pay for med school, your cutoff date will probably be earlier because it will take a longer time to pay off the student loans. On the flip side, if you’re paying $5-10,000 for a 6-month programming boot camp that will boost your income by $10-20,000/year then you might even consider doing that at age 60, especially if you’re already bringing a computer science background where your experience and new skills will keep you in high demand.

There’s not really a one-size-fits-all answer to this question.

It’s got nothing to with age. As you pointed out there are financial reasons where you might not be able to. But that’s realy the only hurdle. And there are plenty of ways to clear it.

i assume you mean as in your increased earnings will no longer pay the expense. The never too late crowd is thinking of school as a pure 'fun' activity which is a valid way to look at things but if you don't like school isn't for you and that is how I'm choosing to interprut your question.

the question is never answerable unil after the fact: I can calculate after you are dead. However I went to school with someone who went right to college, a mistake because he died in an accident at 21. Other people get mental decline in older years and so it is too late when they are no longer able to learn.

you can retire at any age when you have enough savings, but some people find it boring and will continue to work anyway - if this is you it can be worth it even if ecconomics don't work out if you get a job you like (or perhaps one that by not wearing on the body you can do longer)

many jobs pay for your schooling. if this applies the only quesntion is will you have to remain at the job longer than you want to afterwards.

if paying for your own schooling you can calculate the expected earnings after and compare to the cost to make a decision.

You should never stop learning and school is a very good way to learn. If you don’t learn new stuff all the time your brain will literally stagnate and rot. It will atrophy.

Very few people are cut out for true self directed learning so, unless you’re one of the gifted few, structured and group learning is the best way to do it.

If you’re highly motivated anything is better than nothing. Find free courses, look stuff up, engage the academic world as best you can 🤷‍♀️

Either never or upon birth, depending on where you live.

Good/bad doesn’t have to do with age. Are you going to Harvard or a local college with subsidized night school classes? Are you wanting to learn a specific skill, get a degree, upskill for a career path, retrain for new work?

I had a grandfather who ended up deployed in the army when he was planning to go off to college. When he got back, he took the jobs he could and continually took night school classes.

My father got his masters degree when he was 46, which resulted in 20 years of increased pay at work.

Me? I’m constantly learning, using free online courses. I don’t care about the degrees or certifications; anyone who knows me knows what I’m capable of.

I knew a woman who got her PhD in Law at the age of 97.

My workplace pays for appropriate certifications for its employees.

There’s all sorts of ways to go to school.

Study part time, alongside employment.

Education is everyone’s domain. It is never too late to learn new things.

Too late according to which criteria? Money? Definitely in the biological age when you can reasonably expect to not finish the school alive. And probable a bit earlier age.

Other quotation is for what to use school? If you definitely need a diplom to do what you want to do, that school makes sense.

Of you just want to learn something that is somehow useful, eg. for job promotion, than there are tons of great books, online video courses, many even free or cheap.

One my friend asked me about how to get to university in my country. When I dig deeper, it showed up she even don’t need university for that topic of education and probable would do better without university at all.

I went to school with quite a few mature students. They were all great classmates.

Lots of seniors go because they want edification. Never a stupid idea.

Now if you are asking financially, that depends on the time and cost of the program and the anticipated market for that kind of work. Do the math. Cost of school (tuition, books, materials and living expenses x number of years of the program) - opportunity cost of opportunity cost of not working your current gig during those years, + the estimated differential of what you reasonably think you could make for the remainder of your new career before retirement.

Every program, job market and tuition support is different. Do the math with your own local info.

I’m an elder millennial in school

Self-improvement is never a stupid idea.
Ceasing to work towqrd self-improvement is the idea that’s stupid.

Never. Not what you want to hear,but hear me out. Because if it safes your sanity it is worth it.

• I got my apprenticeship as a paramedic first and then went back to school to get my full A-Levels. Specialized school we have here,thankfully for these cases. The oldest one of my classmates was 52.

• I studied economics with someone who was 55 and basically had already done the job we all wanted when we graduate for 25 years. He did so so he finally would get a more comprehensive background and maybe get up the ladder once more. (Which according to linked in he did)

• I currently do another master (in a distant education setting,though) simply out of interest in the field and to broaden my CV. And you know what? I am 25 years in my field and still learned a fuckton of things, got a better network, love the research field AND got so much better at my job AND found a lot of opportunities.

• An former paramedic trainee of mine was almost 50 when he started paramedic training. He was a C level executive before and at one point had enough - he changed careers so he would not get even more depressed and is now very happy with it. And I had multiple people do that in my bubble.

Now,from my current perspective: Was it stressful? Fuck yeah. I literally cried sometimes. Was it a tough time financially? Fuck yeah. I am self employed/have a small company and I had month were making ends meet was really though due to the added expenses and the lost revenue. But it still was worth it. Because: For what it’s worth we all gonna need to work till 70+x anyway to afford retirement. And that’s a long time.

It depends upon the job you are pursuing. I went back to school at 35 to pursue a trade in HVAC. I don’t recommend doing that much later. I ran into a lot of age discrimination when attempting to find a job.

It is never too late to go back is not bullshit.

people have jobs, debts and rent to pay.

I had all of the above and a family to support and I went back to school and got my masters degree.

I think this question greatly depends on where you live. Is uni free where you live? I’m guessing not from you mentioning the cost of a degree and debt. Then how does the debt work? In some countries, the government issues student loans that are repaid much less stringently than most loans, and it’s not a big deal.

Depending on how the system works where you are, I’d weigh up the financial cost of going back to school vs what you would gain from it. What are you looking to get? Education for the sake of education? A better job, such that the financial cost of the degree will repay itself? The uni experience you missed out on? Something else? How much do you value that thing compared to how much it will cost you?

I went back to school in my 40s and changed careers.

It depends on what you want to do when you go back to school.

If you’re switching careers, I’d put the early 40’s as a limit unless the career has age limitations.

If you’re getting a degree to enhance your existing career, I’d put the early 50’s as a limit unless you intend to not retire immediately.

If you just want the degree, there isn’t really a limit.

In theory never, in practice, after you have kids. Many people do it after having kids but they have amazing time management skills like my ex.

Your good until your in a pine box or an urn.

Learning should never stop for any reason. However you do have to temper your expectations when learning a trade or skill you can’t use due to personal limitations. This needs to be taken into account but that is something an individual should weigh on their own with the people in their life.

I’ve known even elderly people to go back and complete advanced degrees.

There’s not one specific age you’re going to find is The Answer to this.

When you are young and still developing and have lots of time to find your path, it’s worth making the long term investment of some general schooling to maximize your own growth and development, and prairie yourself for a broad set of possible futures.

However, as your career progresses, it becomes less valuable to invest in general schooling, but specific training for your specific career can still be valuable.

There’s no cutoff point where all this flips. If you are 5 years into your career and still aren’t certain of what you want to do, an MBA may still be valuable. It will expose you to a range of skills and possible roles and give you some good general foundation for things like leadership roles, or starting your own business.

If you are 20 years into your career and want to rank up to earn more money, an MBA is probably more expensive than it is worth. At that point, your experience is much more valuable than shy degree. Sure, you might look better in a job interview with MBA on your resume, but getting an MBA is expensive and whatever small advantage it gives your resume will probably not pay for the cost of the MBA.

You need to figure out where you are in this journey. Do you still feel that you are exploring and looking for your niche? Schooling might help. Are you on a specific path and hoping to power up? Schooling may not help.

I am 20 years in. I took a class for $300 last year that was highly specific to my role and only required two days. That was worth it. Spending $40k on an MBA will not be worth it for me. I could be 38 or 54 years old, age isn’t really the point.

It’s difficult to overstate the importance of education. I went back to school at 32 with very little formal education. It was tough but having graduated after ten years I never regretted it. I’m doing a job that I love and have more employment options. Whether or not you go back depends on many factors, especially if it is a serious investment in time and money. I didn’t like my work and that was what motivated me but I had savings and no debt or responsibilities.

When you’re dead.

There’s no single answer. Are you going so you can change careers? Do you have money to pay for it or will you have to take out loans? Do you expect to be able to pay your loans off in a reasonable amount of time to still meet your retirement goals? On top of that like you already said, can you juggle school while maintaining your current lifestyle? if not are you willing to make sacrifices?

Anyone considering it needs to make calculations on their own. It’s not a set age. An older person with savings and no kids for instance would have a lot more flexibility than a younger person with a family.

My grandmother graduated law school at the age of 65 and practiced for the next 15 years. It’s never too late.