Also, regarding cell phones... Remember when u signed a contract with your carrier and hey offered you that free fancy phone in exchange for locking you into a long term agreement? Maybe 20 years ago you could work for one company for 20 years. Today you have to remain just qualified enough to keep your job or risk losing it to someone who is younger and will work for less. If you return to school to freshen up your skills, get ready to pay thousands more than you did 20 years ago for someone to tell you you are now overqualified for the position you hold. Now they have no job and education as well as families to pay for but with no income.