Education is often thought of as relating to school or post school formal education situations. The reality, however, is that from birth to death, human life is a never ending stream of learning experiences, most of which occur outside of formal learning structures. In this paper it is argued that if we study how learning occurs, we find that children and adults with disabilities can learn skills and competencies and learn without limit all through life. However, if we set low expectations; isolate people from peers and mentors; set artificial "potentials"; engage a person in mind-numbing time-wasting activities; or fail to structure learning to the person's level, then failure becomes a habit.