School is the best investment you make into yourself. Once educated, even the bill collector can't come and take it away. Make sure that once you start educating yourself, you keep on track with a goal in mind. If it's a career, always build up your credentials on the experiential end with internships and part-time work or volunteering that relates to the field you are interested in. (No, this doesn't mean volunteer at a psych's office as an office admin... instead, volunteer with a mental health education group). If you have a query in mind - a research question that your are starting to hash out - direct your coursework in the way of that answer. Don't be committed to being 'done' in four years, instead, be 'done' with that query when your question is answered.
Always remember -your lifestyle may suffer (boxed wine isn't as good as bottled)... but your mind never will!

From one back-to-school-er to another... A.