Very few people have a deep enough understanding of themselves at age 20 when they have to decide on a major, and no one can predict the future career market, which means that many of us will need to go back to school to update our skills in order to remain relevant and/or feel like we are maximizing our contribution and income. So why not plan in advance for continued education throughout our lives? While we are paying for our current degree, we can pay a modicum more for future degrees that we may want to pursue. For example, we could use a "Buy One, Get Three Free" model, wherein I pay for my undergrad degree as I am studying, but the tuition locks me in for another three Master's degrees in the future, should I choose to pursue them. This model decreases the financial barrier for mature students who want to return to school, and encourages higher education institutions to design flexible degree programs.