Education never ends, so does studying. You need to keep learning something new everyday with the rise of a bright new sun! It doesn't matter whether you are young or old. Even before you attain pensioner's status, you keep learning, and you don't stop even as a pensioner. If you have six years to go on pension, go and offer a 3 years' course before you go on the pension! If you have three years to go on pension, go and offer a two years educational course! If you have one year to retire, go and do a six months' academic course! If you have six months to retire, go and do a three months' course. If you have three months to retire, go and do a one month's course. Even if you have one day to retire, go and offer a 12 hours' course and continue learning after attaining pension! Education continues till we become unconscious of things that matter!