I would like you to consider that life is a journey, not a destination. Think of this journey as a ship on the ocean encountering many obstacles. If you are brave and determined you will conquer all the ocean can throw at you. If you are weak minded and uncertain of your actions you will surely be lost at sea. The answer is Chayon-Ryu.
People spend many years at school getting a formal education.
Some continue on to university and graduate study, with the intent of finding a better job. However, there are no guarantees in life. I have seen many homeless people near the Downtown dojang since 1968. Although they had outstanding formal education, they lacked the ability to see their dreams through to fruition. They had nervous breakdowns or bankruptcy and lost their families.