I have to agree. There are many at my employer that still haven't set their 401k up (employer matches 4%). They've been here 2, 3, some of them longer and still "haven't got around to it". I fuss at them every time the topic comes up. Drives me bonkers!

I managed to power through a intro to digital design class in college I randomly took with GIMP. It wasn't easy, but it got the job done. Nowadays things are a lot better looking on the free/cheap front. Have a favorite we didn't mention?