I dropped out and retired at 31 to a third world country. I'm going to study whatever I'm interested in while the economy sorts itself out. I may never re-enter the job maket. I'm ok with that. I'm not rich but it's really cheap here. I don't want to be forced into a rental market or stock market. The jobs don't pay enough and the margins are too thin. The risk is too high and all of my statistical modeling is telling me that the debt fueled market ends in tears. Good luck with that. Count me out. Don't blame me if you can't find someone to help you build software.