The discussion centers on individuals who begin studying Math and Physics later in life, with participants sharing personal experiences and asking about notable figures who have done the same. There is a debate about the motivations behind pursuing a PhD, with some suggesting that many do it out of passion rather than financial gain. However, others argue that financial incentives can influence the decision to pursue advanced degrees. Examples of late starters include a participant who began studying Math and Physics in their third year of university and a woman who returned to school for a physics degree after 26 years. The conversation also touches on the potential income benefits of obtaining a PhD in these fields, with some asserting that it can significantly enhance earning potential, contrary to the belief that it offers little financial advantage. Overall, the thread highlights the diversity of paths in academia and the varying motivations that drive individuals to pursue advanced studies later in life.