Skills & Employability
The close relation between Skills and Employment level has a rather deep root in the ability to acquire skills in the first place. The ability to acquire skills is called learning :) Sorry to sound so academic ~~~
Active and enforced learning starts at age 6. Kids get "tortured" for 12 or so years to a point that learning is one of their worst experience so far. Many people stop active learning at around age 28 and from then on only learn be doing - often forced to do something that eventually has a learning effect. By age 40 if you don't know what you need to know to do an excellent job, you are quickly considered a looser - meaning admitting you need to learn is not an option. By age 45 your brain is now conditioned for about 35 years - every single day in your life - that learning is a pain, so that you just refuse to learn whenever you have the option. By now it is not an intellectual problem but a psychological issue. By now retraining a person is almost impossible. Now the most called argument for unemployment is "age discrimination" ... ;)
On the other side of the coin: High school drop offs, kids who were really bad at school because they had too much fun and didn't care about learning mostly turn out to be very successful in their business - because at one point they DECIDE to learn and developed skills to do that.
I believe we could invest all the available money on the planet, yet have no significant result unless we change the way we treat and apply learning - staring at school.
Now I wonder - how much do you love to learn something new and how easily can you let go some of the experience you have?