When the markets go berserk and the country slips into recession, you can count on these trends: People scale back their spending, focus on paying off debt and building savings. They also head back to school.

Many of the people who've written to me lately were recently laid off. Others are trying to skirt becoming jobless by learning skills that will make them more valuable to their bosses. And some are stay-at-home moms or dads who want to earn a degree so they can get a job and add to the family's income.

All of them ask: "What's the best way to make this transition? How the heck do I pay for it?" Luckily, neither issue is as difficult as it seems.
Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.


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