I generally just work for nothing anymore. The personal finance bookkeeping is much simpler: I make less than the federal poverty line, so my minimum mothly payment on my student loan package is zero. As soon as it reaches as much as the poverty line, my minimum monthly payment jumps to $2500. An unrealistic amount. In a few more years, my 25-years will be up, and it all goes away. Of course, I'm already well-past the age that anyone would hire me for my engineering skills, software or hardware. My last advanced degree was awarded in 2006. I got by on community college degrees until rather late in life, and nobody wanted to believe my knowledge was current.