text:  still having to work because of that degree yeah well the answer to that is not what you're concerned about the answer is pay cash if you don't go into debt then there's no regret because then you could let's just fast forward let's say that you pay cash you cash flow your way through this and on this income you should be able to do that and then you get the nurse practitioner degree you have kiddos you want to come home for a season then they get to school and you go i want to go back