I'm 40 and disabled, but working on an associate in Early Childhood Ed so I can be a preschool or daycare teacher. I teach music as well. My husband and I are musicians and would like to make our money performing and selling our work, but until then, making money online seems to be a realistic way to increase our meager income. I love and promote free online programs, so I would not be a candidate for high-cost "opportunites".