PrincessPerky I think you’re right that I mistitled the article. Constant education (learning) is essential. Being a professional student might not be worth it.

And as is true with most things, one’s mileage may vary. Life is full of choices and some are better than others.

Dus10, interesting that HS students can get associates’ degrees. That’s a big advantage — and a big money-saver, especially if they do it through CLEPs.

FF, actually I don’t often use the Dr. or PhD. I don’t know — it just sounds strange, and then people will say, “Oh, you’re THAT kind of doctor.” Not using it lets people make their own decisions about who I am a little more.

I do however think you misnamed your article, there is no such thing as over educated, there is however ‘overlettered’, or ‘overpapered’. Getting so many letters after your name or so many papers piling up in your filecabnet is not the most useful thing in my book, however stopping learning and canceling all attempts to grow is much dumber.

There are plenty of people with PhDs I know who say that they made the right choice. There are others in the world who chose not to and say they made the right choice. The chance is that if someone is doing well, they’re going to believe that every choice they made that contributed to their success was the “right choice,” simply because it’s impossible to know what would have happened otherwise.

Additionally, there is enormous non-financial benefit to partaking in more education, in my opinion. Although we personal finance bloggers would like everyone to believe that all decisions should be made by looking at the bottom line, that’s not really the way the world works. As it turns out, money isn’t the most important thing in life, BUT it is what we choose to write about.

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Sure, you could lose four years of working, thus losing the opportunity to gain experience, or, you could go to college while working in a job related to your major. This will give you the best of both worlds.

Plenty of people may have done well without college, but that is changing as our economy is placing greater demands on educated employees.

In Indiana, they are working on a program that would give high school graduates an associate’s degree. Essentially, the high school curriculum will utilize the capacity of a growing community college network to offer those courses in place of various high school courses.

So, there goes two years off of getting that four year degree. Of course, I think it is entirely optional.