“Thanks to families, marriages, and other commitments, you may not have as much time as you need,” said Julia Chung, a financial and estate planner with JYC Financial in British Columbia in Canada. “If you’ve been out of school for some time, it may also take longer to adjust to studying and to learning. Allocate more time than you need and then be realistic about how that will affect the balance of your life.” Read more at BBC Capital.