<prompt> Human: I just finished a BSEE at 42 and I am actively job hunting. My wife finished her masters a few years ago and is presently making around 80k a year. We have around 130k in student debt between the two of us. My wife is convinced we are screwed beyond all hope financially. I disagree. I think we have the time if we plan accordingly. I also think our earning timeline has been shifted. Meaning most people finish college in their twenties, where we are in our forties. So we will hit our prime earning in our later forties, early fifties. Am I crazy for seeing things this way?  <response>: I think you will be less likely to make poor financial decisions that younger people are more prone to make. With the correct budgeting and living, I think you both will be fine. Especially if you both are aggressively tackling your student loan debt and have relatively low debts in other areas. 