don’t give me the it’s never too late bs. Life happens, people have jobs, debts and rent to pay.
Going back to school when you’re employed means debt, earning way less or nothing during your bachelor or master, stress, opportunities you’re not aware of because you’re simply not at your workplace anymore, unpaid overtime during those 2 to 3 years… the money you lose is more than what the bachelor / accreditation costs.
When does it start being a stupid idea? Is it when you’re 30? 40? 50?
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.