TS, I just turned 33, you made more than I did, you live by yourself and you don't have the insane amount of student loan debt that I have. Think $1100/credit hour. But, I refuse to get stuck like this. By years end I should have my CPPS and CAPM certifications. I will then go on to pursue my MA. During that time I will find other well know relatively cheap certifications to achieve. It's how much you're willing to put in and sacrifice to get out of that rut than anything else.