You have a crappy degree? What type of degree? People need to work hard and find something that's comfortable to them before they're 40-45 because after that it's too late to put lots of energy into something and to start something new. My energy started to really diminish after 48 or so. I've had all sorts of jobs and was never successful: painter, engineer, cemetery worker, office cleaner, library clerk. I started working as a paperboy at 11, had many jobs before 18 and was burned out by 35. (Mood disorder starting at 14 certainly didn't help.) If you can tolerate people and are pleasant you can really do anything you want to do.

My sister-in-law got a sociology degree, started as a bill collector and worked her way up the ladder to a VP at a major bank and makes well over $100K now. Her sister did the same exact thing (with the same bank) and has so much money she doesn't know what to do with it.