someone asked me this today. after some thoughts i decided to share this.

my friend in his 30s married with no kids earns $2,400 per month after deducting all the loans, balance $1,200. he wants to continue his studies so that he would go further in his career. he asked me with his kind of income and commitment there's no ways he can save for futher studies or even take up another study loan. if this is the case, how can he come out of this circle to further his studies and land him in a better paying job?

well, i feel that at our age, this is the time where career and income should be stable. we should be at the phrase of our life where we build our family and grow our $. frankly speaking, if you were to ask me to go back to studies, i might think twice. if you study for leisure then it's ok but for career advancement maybe not for career advancement. imagine if you were to take up a loan and you need to take a few years to finance this loan this circle of loan never ends by then you might be in your 40s and still financing loan.

well i really don't know how to share with him but would like to hear more inputs from fellow mates. please feel free to pen your thoughts here.