The role of formal education as a disseminator of new information and producer of significant learning experiences has been continuously diminishing. Interest is growing in learning that occurs in the informal action environments of everyday life and workplaces. Informal learning occurs in varied places and by varied means. Work teaches self-discipline, time management, education's value, social interaction, empathy, and planning. Hobbies provide opportunities for identity work; teach self expression, discipline, social interaction, independence, and leadership skills; and allow young people to test their limits. New information technology helps develop visual perception; teaches such skills as the ability to operate computers and read visual knowledge; and are sources of information. Consumption develops individuals' ability to express themselves and make choices; is an instrument of identity; and teaches how to use money and compare prices. Peer groups, leisure activities, role games, and family situations create situations for learning and personal development. They teach how to exchange perspectives, work in teams, communicate with others, assume responsibility, and tolerate difference. Families transmit values and traditions. Formal education must accept the challenge posed by learning experiences in everyday life settings and adopt forms of learning that stem from people's own experiences and are closely associated with their everyday life-world. (Contains 20 references.) (YLB)