I know Steve didn't intend to start a thread now about the cost of further education, but I had to agree to disagree with one statement--at least with regard to the cost of graduate school (maybe Steve's comment was limited to undergraduate degrees?).
I live in Atlanta, and with regard to graduate programs for working professionals (i.e. nights, weekends and/or online) available to me, I haven't been able to find anything that most would consider inexpensive. I've recently shopped around considerably, and the least expensive (not necessarily the best) Master's program I've found for working professionals is at least $16,000 (and rising). However, many, if not most such programs, exceed that amount by over 2x. That ain't pocket change, and most employers these days won't pay a dime.
I don't regret not having had the drive to get a Masters. I regret that the ridiculous and rising cost of doing so could quite likely exceed the benefits.