Still some people in my generation (X) talk about going back to school. I ask what the hell for? Many times they do not have a good answer.

The salaried worker rarely has the time to educate himself, improve his talents and expand his skillset. The job already takes up most of his day. Graduate school is an easy way for the salary man to improve his resume without doing real work; just read this, write about that, and then take an exam. While the degree will not help him skill wise, simple having it on his resume may be enough for him to grab that elusive promotion. I know people with graduate degree still earning entry level pay.

Younger people cannot afford to take that kind of financial risk. The opportunity cost is too high. Would you put your money in crypto or put it in a graduate degree? I am leaning towards crypto.