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how old are you again? Need to sort of gauge to see if going back to school is a valid option.
50k / yr is not a bag figure to be in right now. I do think you are sort of "stuck" with the mortgage you need to pay for so that's a bitch. That's life I guess for you.
I would highly NOT suggest you getting certs. There are a shit load of people with crazy certs who will and always outsmart you. If that's where you want to go (which I fully respect), and based on certs, choose a big brand name, go work for a partner that sells that technology so they can pay for your courses. CCNA CCNP are ~yawn, you need to get a CCIE which is the cert to get. (FYI, fail rate is 3.5 tries and it has to be done in California, a engineer did it and took him 6 hrs a day for 2 yr on top of his full time job; by lunch time he already knew he failed the exam because his configuration wasn't proper)
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