SecondDegreeAt40 — The Late-Career Diploma Question

A 4-round late-career decision simulation: name the real motivation among five (career-pivot, network, knowledge, identity, avoidance), compute risk-adjusted NPV across full Master / part-time / PhD / certificate / skip, pass a 5-question audit, and land an irreversible step. Targets professionals 38-50 weighing a return to formal education.