<prompt> Human: Hi,I am 35, married with two kids a bit of savings from last 10 years of work.I am being laid off. My wife earns enough for us to get by without having to eat into our savings.I have this weird desire to apply for doctoral. Weird because I find 35 to be past my prime.My question is: purely from a financial perspective, does doctoral make sense right now?Thanks.  <response>: People generally dont go for doctorates for the money. 