<prompt> Human: Hey friends,Heres what is going on. I got my Bachelors in Accounting two years ago, and Ive been in public accounting since then. Ive come to realize that I really dont like accounting, no matter how much Im paid to do it. Ive begun exploring other options, and one of my favorites is applying for admission to the US Merchant Marine Academy. In case you are unfamiliar, it is a four year Bachelors program. I like the idea of being an officer in the Merchant Marines a lot, but I kind of feel like a loser for going back to school in my mid 20s to do something completely new. Especially when many of my peers are already well on their respective roads to success. Finally, I think the biggest thing that bothers me is the idea of going back to school with a bunch of 17 and 18 year olds straight out of high school. No disrespect to them- They just make me feel old and would make me question whether or not I should be at the Academy in the first place. Heres where the finances come in. Because the Academy requires Armed Forces Reserve time at the end of the Academy, my schooling will be basically free. At my current age, I wouldnt even be done with the academy until I was almost 30, and the idea of starting my life savings at almost thirty seems crazy. Anyone have advice?  <response>: Went back to school in my mid 30s. Now moved to Oz in a career I enjoy. Its never too late to retrain. Theres more to life than money but it is important to understand the financial implications.If you arent happy I say do it. You only live once, so do what makes you happy! 