Watch This BEFORE You Go To College!

[@dr.bradshaw]

Community college graduate and transferred. So glad I did

[@jeffreywhitaker5154]

ME TOO!!!

[@riverdaletales8457]

That’s honestly the best route to go. That or pay for it fully cash.

[@magdalenast.7936]

Yep! I am doing that too!

[@taje017]

Facts that’s the best ways … these universities are traps

[@kurbicksan4917]

Transferred what? Credits?

[@joevasconcelos3409]

I graduated a state school with a computer science degree (after finishing an associates degree) for a whopping 15k dollars, and hired to 70k before graduation. Take advantage of your states grants, take advantage of scholarships, work while you’re in school and live like a college student

[@christophershanklin112]

Its that easy

[@lizzog4553]

Community college is free where I live (Massachusetts) but my parents refuse to let me go. I’m getting kicked out anyway so do I just get a full time job and share housing with a friend and go to community college? I genuinely have no idea what to do. I don’t even know what I want to do or my intended major. Any advice will help

[@KiLLED5639]

@@lizzog4553 If your parents are kicking you out, then your priority right now is to get enough income to have a place to stay, shower, stay warm etc., food to eat everyday, afford clothes and shoes to wear, and have some kind of transportation. Once those have been met (Dave calls them the 4-walls concept), then you can start figuring out what to do about a career that should increase your income. A roommate in your situation would help tremendously because housing in Mass. is expensive. The MassEducate program is an amazing benefit and you should do it if you can fit it in you schedule.

[@Cary2060]

I'm at a community college. It's about 2000$ per year.

[@ibrahimcoulibaly4085]

Thanks for that information

[@riverdaletales8457]

Depends on the area some places like where I’m at is 7k a year.

[@izzey0729]

same. my entire associate’s degree in Computer Information Technology will cost me less than $5K

[@LauraReed-wu2ww]

Where? And what are you taking? Basic courses?

[@LauraReed-wu2ww]

​@@izzey0729where?

[@averyjackson642]

My uncle went to a community college with no debt and is now a big time nurse getting paid more than 100k a year and is paying for his sons college degree at UF. Universities are there to take your money.

[@riverdaletales8457]

Well that’s nice.

[@LavaCreeperPeople]

Noice, I hope he’s doing great with his nurse job :D

[@jacobo9611]

Sounds like a smart guy

[@marcusatm]

Did he get any scholarships?

[@Petruskinhap972]

I went to nursing school at a super ghetto public school (CUNY) in NYC. Total cost: zero. The tuition is $4800 a year for NYC residents . I received financial aid because I was dirt poor. Financial aid covered everything. Meanwhile, literally across the street people are spending $30k per semester to attend NYU to receive the exact same nursing degree , earn the exact same amount. It boggles my mind. 🤔

[@abstractlycalculated]

They want the ‘experience’ 😂

[@amandawithlov3908]

YEA. I almost went to Columbia and paid $100k for a degree and chose to go to CUNY. Now at work the girl who paid $100k+ in student loans is at the same job I am I paid 1/3 she did.

[@Ichi-9]

Just got in LaGuardia for Nursing as well. Hopefully I can get some financial aid too and save the money.

[@Sophie3647s]

Same, except I went to CUNY for dental hygiene. Coworker went to NYU for same degree, but she has loans to pay and I do not

[@Ichi-9]

@@Sophie3647s thats awesome, yup my goal it be debt free

[@learzetur6]

I'm starting my education at Dallas County Community College and I am proud of that 😁

[@lisapope9616]

Smart move. Some of my best mentors were in my Community College.

[@IceColdProfessional]

Community College is the only college needed to succeed.

[@theelephant2887]

Did the same in Houston. Got all of my core classes at HCC and then transferred all of them to a state university.

[@riverdaletales8457]

Best thing to do is get an “education “ debt free or almost debt free.

[@valeslove]

Me too! How was it for you?

[@poohlyngirl]

Gosh I just love Anthony! Very respectful and funny. I agree with both of you. It doesn’t matter which school you go to. It’s the drive that’s makes your life successful in whatever you do.

[@whitbabi2010]

Sooo thankful that I went to community college first and was able to land a full time career at the same time that paid for my school and half of the cost to finish at a 4 year school. Just paid off the rest!!!

[@marlon7s]

So you went to a community college then a 4 year college? What did you do at the community college? (I’m 17 rn tryna figure out what I want to do)

[@portiaowusu1706]

Congrats!!!

[@LavaCreeperPeople]

@@marlon7s im 15

[@jadenkitchen8311]

@@marlon7s I did something similar. My high school offered concurrent enrollment classes. I was able to get all but one semester of my Associates done in high school and then just finished out the program at the community college. I then transferred to a 4 year university in the same state (that would not have accepted the transfer credits had I not already had my associates degree completed). This way, I was able to put my concurrent enrollment credits to use via transferring the whole associates degree rather than individual credits, so I didn't have to do any general ed requirements at the 4 year school (leaving me with 2 years left to do my major & minor core classes). This I would recommend if your CE credits won't transfer without being a completed associates degree; otherwise, I'd say go straight to 4 year because they often have prerequisites for classes in junior and senior core that you may not have completed at community college. I know that was long lol! Hope this helps!

[@TK-lv4yj]

Dave’s right on this one. I went to one of those big name schools they mentioned. Biggest mistake of my life. I have the same job as some guys with just a two year vocational program or military tech school and I make about the same amount of money of course. It took me so long to pay those student loans off. At one point I owed more on those than my house was worth. I was eating rice and beans, beans and rice having now fun. The other guys with no debt we’re buying boats and big trucks. I was jealous but I did what I had to do. Kept those habits though for another 10 years after breaking even and now I look around and realize I’m way ahead of my coworkers on retirement accounts etc. Wife and I have been saving 30-50% of our incomes because we got so used to living on so little. I’ll end up in a better position in the end than most of my coworkers that didn’t have the big student loans but if I had been scrimping the same way this whole time and putting that all to retirement I would be retired early by now. (Retirement to me just means striking out to start my own business without fear of failing and being about to hunt and fish a bit more.)

[@randalcampbell3617]

Every generation imagines itself to be more intelligent than The one that went before it, and wiser than the one that comes after it. George Orwell

[@jazzyj6640]

This is why I went to community college and obtained my associate in applied science in Legal Studies also known as Paralegal, Legal Assistant and the pay is pretty good.

[@David-rg6vj]

Hey you, yes you reading this, I hope you achieve everything you ever wanted and more

[@flexusanm]

Gotta put in work. Hard work = long term success

[@klusps]

Part of it is societal pressure and we care more about the image of ourself than we do about the education. Nobody wants proudly say they attended a community college, all your peers view you as being poor. They would however post all over social media about being accepted into Harvard. It’s only after I finished college, and found a career, many of my peers would say, community college was the smarter route.

[@FrankS111]

The problem are the useless degrees that they peddle and the smooth brains consume. Paying a lot for a good ROI isn’t bad but paying a lot for a poor ROI is the problem

[@trentonpearson7353]

Agree.

[@jdl101097]

I live in Wilmington, NC. Actually only UNCP, not UNCW offers the NC Promise Tuition of $500 tuition. Currently completing my Business Administration degree online from UNCP. Great School and I will graduate debt free 😅

[@MissHunterELA]

Aaayyyyye! NC in the house!

[@chasebrown6508]

Port City in the house!

[@Mylegacy24]

Great job buddy, I would love to see how well you do down the road!

[@jdl101097]

@@chasebrown6508 Are you on LinkedIn?

[@jdl101097]

@@Mylegacy24 Thanks so much! I'm currently working for a global management consulting firm so all goes well I will be able to move up over time to a C-Suite/ Partner level.

[@hazelwood55]

Here is the best ROI I ever heard of. I worked in retail, and it was a dead-end low paying job. I got my CAMS certificate (cost only $1500) from ACAMS and got a job with a bank starting at $55k.

[@tommygertcher2747]

What's CAMS?

[@hazelwood55]

@@tommygertcher2747 Certified Anti-Money Specialist.

[@gureno19]

I have no idea why people pay money to study history or arts etc. Go to the library and use the money you would have spent at college to travel the world.

[@philipgerry5228]

Good idea.

[@hannahv.03]

I can speak for the Arts section; just reach out to respected artists with actual skill and who actuall sell to shadow them! All art world is based on preformance and portfolio - like most careers. 🙏❤

[@Natalie-iz9sm]

I like history and literature but I wouldn't major in it unless I was going to become a teacher. You can go to the library or go online and watch videos for free about those subjects

[@nicholeknight1893]

I wish I saw this years ago. I had a full ride scholarship and my mother told me not to go that school. Go to work. Now I'm 42 in nursing school and racking up debt. That's ok, I'm passing this knowledge to my kids.

[@hopefulforhumanity5625]

Well, if it was completely paid for, why would you not take advantage of that?

[@Happiness379]

I wonder why she didn’t allow you to go to that school if it’s already paid for. 🤔

[@THAOpeacockcichlids]

Wished I seen this in 2005. Good thing is that my degree actually put me in good place. Slowly paying it off

[@BrillianceAutoSpa]

Kids get tied up on the "experience" of going to a specific college or university. People are willing to pay extra just to go to a "better" college/university and they're also doing It just because that's where they want to go. People are looking at a higher education way too subjectively instead of objectively.

[@larrybud]

I can only think of one person who I worked with in 30 years (IT/software developer) where I know what college he went to, and that's just because he's a huge Univ of Michigan football fan. I didn't even go to college, never even comes up.

[@Dflonn]

Tell him I said, O-H...

[@sh3llshockr167]

Every once in awhile I comment “Best Episode I’ve Ever watched” You guys are Awesome and continue to improve with Time.. I enjoy very much seeing this 😊

[@831-s9f]

Shout out to all my Tradesmen here making them big bucks ! 👌🏻 stay safe fellas 🍻

[@leejasmin945]

Be a tradie in Australia - quite lucrative once getting through the apprenticeship.

[@TourUser9630]

1:40 UNCW is NOT!!! $500 per semester. $4400 tuition for in-state undergrad, $25812 estimated total cost.

[@catzlaflame4518]

Exactly! 😂 I’m in highschool and I hear freinds going out of state for literally no reason

[@mikederucki]

You’re smart. I’m 32 and my friends that went out of state for no reason and accumulated huge student loans are in terrible financial shape. Stay in state, work part time, full time on breaks and in the summer, you can get out with no debt.

[@walshdog61]

@@mikederucki this is the way. Just graduated from my instate university with a STEM degree, zero debt.

[@thetruth5635]

@@walshdog61 what’s a stem degree?

[@truckingmoney485]

The Truth it stands for science technology engineering and math

[@walshdog61]

@@thetruth5635 a degree in the Science, Technology, Engineering, or Mathematics fields.

[@joshuaashley7874]

Caveat - The really high tier schools (like Duke and Harvard which were mentioned) have huge endowments and routinely give very large financial aid packages to students coming from low and middle income families, to the point where they’re more affordable than state schools. The thing to avoid is out of state public schools and small private schools, which are expensive for no reason with little aid to help out.

[@ImOriginallyGreen]

Yep virtually all top ranked schools are really cheap if your family is poor, or even middle class. They all have need-based aid that can end up making going to their school cheaper than going to a state school. I always cringe when I hear someone say that someone got a full ride to an Ivy because all that means is that the student’s family is poor because the Ivys (and other schools in that level of prestige) meet all need-based aid and don’t even give out merit scholarships. College is really only expensive for middle class and even upper middle class families, in which case going to state schools and getting merit scholarships at private schools are the way to go. It’s expensive for upper class families too, it’s just that they can afford it so it doesn’t matter lol.

[@mazibukomail]

Colleges in the US also make their money from international students who pay and arm, a leg and a kidney to set foot, no study grants for international students.

[@joshuaashley7874]

@@mazibukomail - Very good point; even as the higher tier schools have invested in rolling out very generous financial aid programs for domestic students, they've actually been cutting back on aid for international students.

[@jellygurl27]

I feel like it's the high schools that failed us. Around the time I graduated from high school in 2006, they pushed college and those colleges did their part too. My high school made it a requirement that we have to be accepted to college in order to graduate. Those colleges are consumed us into buying into the fancy campus and college tours without actually considering what we were studying. I think the previous generation preached college because they truly thought it was a way to guarantee success.

[@LifeHappened]

I am sorry for you.

[@Demy1970]

What state was this? With all the info out there, people need to be responsible

[@MrTmenzo]

@Jarod Armstrong he made it up

[@jairoherrera4040]

I would consult a lawyer since high schools can't force their will on students like that.

[@jacobo9611]

Smh, no requirement at my hs but they pushed it hard to look good for their numbers, heaven forbid you joined the workforce, apprenticeship or military. It seems to be changing now on apprenticeships

[@BillMan3]

I’ve been Blue Collar since 1997. Making over 100k every year, investing it and don’t sit in a Cubicle (aka Depression farm) 70hrs a week for 45k a year

[@BasicBeachCommunity1]

Who showed you where to start??

[@jakeparker8590]

What is your job

[@andyg806]

I'm that guy that sits in a depression farm... Wish I had stuck to IT Networking at college when I was a kid! Was offered the "big bucks" to leave and work in Finance... Terrible decision!

[@cocacolalada]

I love working in my living room behind a screen!

[@kartboarder22g17]

Dave can you have a segment talking about yearly take home from degree less jobs? Everyone thinks a degree is necessary to make an honest living

[@christophershanklin112]

It is, you literally can’t make a good living without it

[@kartboarder22g17]

@@christophershanklin112 I've heard of people with just a HS degree doing very well in their construction companies

[@christophershanklin112]

@@kartboarder22g17 it depends on what you wanna do within the company

[@TheRealEdStoner]

It’s the parents that talk their kids into going to name schools so they can brag to their friends.

[@violetchan8129]

I literally get paid to go to college going for a useful degree and I STILL question if it’s the right choice. If that doesn’t tell you something, I don’t know what will. Don’t overpay for a silly degree. Weigh all your options. Also, know your worth!!

[@godswillc.okechukwu6341]

I'm currently in my final year studying Civil Engineering.

[@jacobthomas5844]

Yessir!!

[@fede1h334]

Is law a good degree? Because I am entering my final year.

[@godswillc.okechukwu6341]

@@fede1h334 My elder sister studied law and I think she's loving it. Honestly, I sure think it's a good degree. You only have to be passionate about it just as Mr. Dave Ramsey advises. I wish you the very best!

[@sonofjesus1464]

I'm so happy for you :)

[@blakecotlar8879]

Currently active duty military going to school at the local community college all paid for by the military . 2 classes at a time. Graduating at the end of this falls semester. It’s a good gig

[@kylemccarthy02]

Names attract people that’s the problem! They rather go for the name than the worth. Keep in mind I am 19 and in college and recognize this

[@foolishEmporer]

I think it is important to distinguish between undergraduate and graduate degrees. Dave is completely right when it comes to undergraduate. For graduate, it does matter because of funding, projects currently at the school, certain professors, etc. It will make a difference.

[@owningyourfinances]

I used to work in admissions for a trade school, and one of my first graduates came out making MORE money than me after I'd been working for 11 years. Trades are a lot more resilient to AI Layoffs too, because it requires someone with know-how to physically be there and do the work in their skill set. That was UTI, now they offer even more trade jobs training, and I still recommend them as a former employee, that one's a strong ROI.

[@wittenberg5]

There are certain extremely high paying jobs that only hire from the top schools. Bain Consulting, Mckinsey and Company, The Boston Consulting Group, Goldman Sachs, The top four tech companies, private equity and venture capital... they want to see that you went to a top school and are among the best and brightest.

[@josephburton3232]

Absolutely. You can get a job at your local business/firm with a run of the mill degree from the in state school. But if you want to be the hotshot lawyer in NYC then you better be going to a prestigious school. Wall Street isn't hiring anyone that got their bachelor's degree in finance from Idaho State University.

[@mikederucki]

I know people that work at all of these places. We all went to University of Utah together. I do our on campus recruiting for my firm - Goldman always has a double booth at Utah and BYU. Sure, your odds are easier to work at Bain if you go to Harvard, but what are your odds of getting into Harvard? If my child got into the Ivy League I’d support them to go. Short of those, high performance at a large state school is the ticket. Moreover, a student that has in person charisma at an interview or job fair is 100x better off than a better college and no personality

[@josephburton3232]

@@mikederucki BYU is a top tier accounting school in the country. At least it was when my dad got his masters degree from there. So it's no surprise that the top firms in the country recruit from there. I don't know much about U of U though.

[@patrickknapp5867]

I have been going to Pembroke it's not just 500 bucks They have there BS fees to make it 2k each semester. Still very cheap but bait and switch.

[@jennypartain3734]

Can you please add captions? Thank you!

[@jennypartain3734]

The CC feature is added now. Thank you!

[@Love-like-Lucy]

Too late already went and my son is currently in college also.

[@JAYY2RAW1]

It’s only pembroke with the $500 tuition. I would’ve went there if they had my major. Only bad thing I hear about UNCP is that it is really boring there.

[@GamerNRetro]

I heard cars are good, get one of those Bentleys! Great analogy, Dave.

[@hopefulforhumanity5625]

UNC Pembroke is actually $20, 000 year with fees, room, and board. That's $80,000. That's too much.

[@erinbue3374]

I work at Walmart and they’re paying for my schooling 100% for my bachelors in data analytics!!!! I tell my kids if they don’t have a pathway then either work for a corporation that will help you get a degree in business or IT. The debt I accrued was because the school I went to for my associates was too high but I didn’t know that and my credits wouldn’t transfer to the colleges around here.

[@emilsisorganizandote2688]

DO NOT GO TO COLLEGE WITH A STUDENT LOAN.

[@thedarrin4621]

Go to college with a loan if you need it but don’t take anything you don’t need !

[@flexusanm]

Thinking of going to college this fall. I hav my cdl and I'm driving full time. I'll hav enough saved up to a full year all paid off. Gotta switch it up bc my back is going to give out bouncing around in a truck. I'm 25 with some credits from a partial year right out of high school. Time to get back at it

[@KeyahD]

Go to a community college and apply for the FAFSA. Also check your state to see what grants they provide and speak with a college advisor when you get in.

[@flexusanm]

@Johnny Five interesting thanks for the info

[@LavaCreeperPeople]

@Johnny Five so what do i do after i graduate

[@evalina98000]

"Famous schools". 🤣 Dat's a good one Uncle Dave 👍🏽

[@CaseyBurnsInvesting]

You don’t have to go to college. Many regret it after they go blindly.

[@gzfashions]

Oh yeah?

[@colonelbostwick9847]

@@P.90.603 The homeless wouldn't be homeless if they merely had the discipline to work hard and save a portion of their money. They spend like children, consistently drink or do drugs, or they're either lazy or feel entitled to get paid more than minimum wage per hour when their work ethic says otherwise. This has nothing to do with their education, primarily how they were raised. But even then a little discipline and self-awareness can change that.

[@dr.bradshaw]

@@wordsalad01 it’s not all about how much $$ you make. It has a lot to do also with what you WANT to do. I’d rather do what I love and make 50k then do what I hate and make 100k

[@smoothienation2786]

Hey, you are commenting in every channel , how do you do this?

[@colonelbostwick9847]

@@wordsalad01 If you read carefully, I didn't emphasize "the majority" of homelessness to laziness, the spectrum of reasons behind homelessness is far and wide. But to extrapolate, I've seen more than my fair share of decent looking cell phone junkies standing on the corner at walmart while texting (hiding) their high dollar phones behind their "homeless sign".

[@JJGuey-vf1hb]

Im a blue collar worker best choice i made never went to college im doing good

[@Joseph-ub5wh]

@@P.90.603 sucess isn't always about top dollar salaries. Many people will amass great debts and be lucky to make 75-100k yearly. Those who make over 100k tend to have a masters or P.H.D. you have to way the risks and rewards to both.

[@larrybud]

@@P.90.603 100% of the people with student loan debt went to college.

[@TheePrettyGirlSwag]

50 year old here. I went to community as well back in the early 90s when i graduated. Didn’t have a say so because my dad paid for it 😅. Transferred those credits to my local university. No say so. Parents paid for that as well. Even then when college was less expensive but expensive non the less , it’s just sound advice.

[@Dflonn]

Come on Dave, Vanderbilt is "in state!" Lol

[@ericpolk2131]

Work full-time, do schooling online part time. Graduate at the end of June with no student debt thanks to some Pell Grants, a tiny scholarship, and paying for the rest

[@ibrahim.hejazi5683]

got my EMT and paramedic certificates. costed me a total of 20k for 2 years of eucation. Im eventually gonna go back to get my bachelors for med school. best idea I chose for experince plus income during community college

[@Tallisper]

I completed my Bachelor's degree in Business Economics in Italy for a total cost of €4,000, which is very affordable (fortunately, I speak Italian). After that, I moved to London, UK, where I worked for four years, saved money, and pursued a Master's degree in Business, which cost me £7,200. Later, I earned a higher salary, allowing me to save for an MBA that initially cost £18,000. However, I managed to transfer credits from my first Master's and professional experience and successfully applied for a bursary, reducing the cost to £5,900. I now hold two Master's degrees from reputable London universities and a Bachelor's degree from an Italian university. I am debt-free, with additional money invested, and I received no financial support from my parents. Work smart, not hard.

[@t_n_rasberry8387]

You left out the part that those who come from unknown schools would need to do extra work to look at like (an exceptional, once in a lifetime person, and hard to pass up hiring them) feeling also so that the employers would even considered passing up a graduate from a well know school (guaranteeing them a certain percent of success in picking the right person) if they were both going to the same interview.

[@dustinjohnson1410]

GPA and college choice only help get your first job. After that, employers only care about your work experience.

[@dillon5906]

I am 24 and preparing to go back to school as an adult. I will be paying $500 a semester at a state school. 4k for a Bachelors degree is the way to do it. I feel like im hacking the system by getting a great education at practically no cost in the long term. I want to take full advantage of this opportunity to then go for a Master's. I'd recommend if you're 18-19 and considering college, consider other options as well. I did some vocational school while in high school, and it definitely helped me explore a completely different field and decide if it was right for me or not. I worked various jobs and got a feel for what I liked, and what sucked the soul out of me. It's no race.

[@jackadair7188]

I am a high school senior planning to pursue med school after my bachelors so instead of choosing (I live in Oklahoma) OU a school I’ve always wanted to attend, I decided to land on UCO where I’m close to paying like 2-3 thousand dollars per year, totaling like $10k over 4 years which my parents are able to help me out with, where as if I went to OU it would’ve been nearly $80k over 4 years WITH A GOOD ACADEMIC SCHOLARSHIP I GOT

[@Farmingtoon]

6:40 that’s funny papa dave

[@tarawhite4419]

I got my associates 15 yrs ago and will never go back

[@EppingForest304]

The American Uni system seems very complicated compared to UK. In state, out state. Private or public. Different prices etc.

[@jlarue6970]

Dave: *says anything* Anthony: (low voice) "Yep, yes. Absolutely."

[@josephmontezuma5089]

Glad I dropped out of college such a complete waste of time and money. Never had debt and earn 60k a year as a machine technician.

[@hannahv.03]

Ramsey team, humble question for ya. Could there be a catalog list of every single college, graduate and under, online program and the like that's out there? Pretty big ask, yeah, maybe ones that y'all highly suggest looking into?

[@aolvaar8792]

I graduated from a #1 school. Highest median starting salary from a public institution in the USA. Where you went to school has power.

[@regularity2556]

It's all relative. You have to examine that "power" in relation to the debt that you rack up and the degree you get to see if it's worth it.

[@aolvaar8792]

@@regularity2556 A former alumnus paid for my education

[@regularity2556]

@@aolvaar8792 That's you, however, think about other person's, most people do not have anyone paying for them.

[@aolvaar8792]

@@regularity2556 Institutional Grants 81.0% $10,852

[@chriskatranis3755]

What Universities charge in the United States is crazy. Students have to psy way too much. We pay too much here in Canada, but nothing close to the United States. At least here in Canada the prices are the same. In the United States, State colleges charge less for the same degree than high end Colleges. That is crazy. Canada and the United States should look at Greece. University in Greece is free no matter which University the kids choose to go to. The Universities there are recognized as some of the best in the world and degrees from Greek Universities are recognized around the word, including Canada and the United States.

[@hopefulforhumanity5625]

Politicians and high level beaurocrats are often graduates of Harvard. But I do know a Yale graduate who has struggled making enough money working for a private university. My husband has made more money working construction. Of course my husband works a lot more hours. And it's loud, dangerous, hot, cold, stressful...

[@denellgraves2397]

I regret every day going to college and I made it clear to a lot of people I know don't ask me about going to college because I personally think it was a waste of time and money if you do not have a plan on what school you're going to what degree you're getting that's going to give you a return on your investment where I stand if you're going to go to college go to college to work in the medical field, law, stem, and ROTC because those areas of study in college actually can give you a return on investment especially ROTC because you're guaranteed a military Commission and 8 years of military service as an officer add a military officer rate plus even if you can point in the reserve or the Army National Guard you can reenlist in active duty once you're reserved and guard contracts are up

[@Je.rone_]

The job for "left wing feminism" is being a professor of left wing feminism 😁

[@victoriaurshan4096]

I have to disagree that not all schools and education for the same job are the same. I researched my area of study in schools throughout my state and the quality of their teachers, amount of classes, and curriculum were not the same. I’m happy I did my research and invested in the best education for my future. Even if it cost me more money in the long run, I’m coming out a better student and professional compared to others, which may also result in more pay in the future. But I totally understand the problem with “big name” schools. It definitely can be a scam. But I wouldn’t immediately eliminate them off your list if they really do have the best education and that aligns with your your priority and goals.

[@bth2012]

THX

[@samberens5664]

College should be about getting an education and expanding your mind, not just a career track. But our overinflated college costs force average kids to take out loans to do just that and then we turn around and blame them for picking the wrong school. Who should that school be for then, just the privileged kids?

[@Yamilovesjesus]

Exactly. It seems like the only people who can afford to go to college are the rich

[@romanhut2917]

Is business administration good to get ? I just want an associate in this then off in the workforce with it .

[@brycemorgan6708]

It will be very hard to land a job in business specifically in business administration without at least a bachelors of science in that field. If you really want to be competitive and make six figures plus a lot of jobs now require a masters I know some people that were up for a promotion that would take them from $80,000 a year up to $109,000 a year but the issue was they would have to go back to school to get their masters so they didn’t get the Position.

[@RobTetrault]

Don't forget to follow your dreams.

[@frankiesmom8478]

As long as you can afford them otherwise a dream turns into a nightmare

[@danielb6927]

ok dave you've peaked my intrest

[@Steve-yj4kp]

My dad was a plumber. I used to work with him from age 10 to 27 during school breaks (summers, Xmas vacations, etc). Influenced by friends from junior high school ("all your dad does is stick in hands in toilets all day", which I never saw him doing in 17 years), I went to college. Looking back, what a waste of time and money. I just switched careers to plumbing at age 56. Why I didn't do it back in 1983 when I got out of high school really makes me want to kick myself. The whole opportunity was handed to me from my dad, but I didn't recognize it at the time. To all males out there in Ramsey land....do not get married, do not have kids, do not buy a house. You need to be free to go to any place in the world at any time with nothing holding you back. Mobility. Believe me, what I am telling you is true. I wish someone had told me this advice when I was 18.

[@hopefulforhumanity5625]

Marriage and children is the best part.

[@Guitarmike91]

Wish I heard this back in 2010.

[@columbus4512]

I wished I learned this in 1998

[@johnarc3856]

first we gave up our homesteads, then we gave up our farms and then we gave up industry, they told everyone to get degrees and now they tell us not to do that. seems we should start over. "they're lazy" my foot. lets get a homestead act again. -Lori

[@realitytruth5175]

I wanna do logistic idk if college worth it

[@user-hn9qw7ou8d]

I went to MIT. It was expensive, but now (and for the rest of my life) people automatically treat me as if I am much more intelligent than they are (I genuinely am) upon hearing my alma mater. Because of this respect for my intellect (which wouldn’t have been anywhere near as pronounced if I had gone to a lesser university), I have had many professional opportunities which have allowed me to easily pay off my student loan debt and become much richer than my peers who were tricked into doing the “smart” thing and avoiding student debt. If you genuinely possess a gifted mind, go to a university that will signal your gift to the world. If you don’t possess a gifted mind, go into the skilled trades. Universities (especially prestigious universities) are meant for those with elite minds only.

[@TheSupervillain316]

Mitigate the expense, people. Live at home and commute. Drive a hooptieyou can pay cash for, ideally learn to fox it yourself as well. Work nights and weekends. I did all this. My sister did none of it. Guess who had a ton of debt, school as well as credit cards?

[@rainbowfrequency1]

Wish I had heard this before I went to college🙄

[@pimptaro]

What do you do in BB stacking?

[@markbroughton5814]

I went to college just so I could go on spring break!...... Kidding.

[@flexusanm]

Good ole spring break lol

[@JBDacasinJr]

Network to get the networth

[@howlbeast]

Sorry Dave but you are wrong employers/corporations look at the university you went to and it does matter .. reputation holds weight. In the U.K. if you don’t go the reputable schools like Cambridge, ST Martins University, University of Arts, Oxford, UCL, Birmingham City and others of similar elk you will be overlooked by competitors credentials. And there are articles out there saying employers look at the school you went to as they try to recruit candidates of higher pedigree as opposed to lower end institutions

[@stevenmintz1]

At current. But as debt piles up, give me the candidate with the higher self awareness and better decision maker.

[@AG-so4gl]

I didnt go to college, went to trade school. And achieve six figure incomes

[@masonr1666]

I disagree with Dave on this. Not all degrees are the same. Evidence: Not all teachers are equal to each other. There are some good teachers, there are bad teachers. Higher tuition => higher salary (available) for teachers => better, more talented teachers. The content might be the same, but the approach in teaching it is different. For example, my first year in Education I had an instructor who pronounced "Piaget" as [Pigat], rather than the correct way as [Peeuhzhay]. Minor error, for sure, but one way makes you look uneducated, or at least under-educated.

[@masonr1666]

Follow up: It is one of the downsides, the people who need the most help, cannot afford to get the help they need. Let's face it, of you have the grades to qualify to get into Harvard (4.5 average, lots of extra curricular activities), you don't need Harvard to succeed, you are already doing well for yourself.

[@christophershanklin112]

He’s saying you don’t HAVE to go to a private college in order to be successful. In other words you should go to the college in state (in state tuition) to save money as oppose to putting yourself in unnecessary debt.

[@justincottrell2684]

Work boots are cheaper than a degree.

[@HitmanChase]

JOIN THE MILITARY. That’s what I did. DEBT FREE

[@Ovulations]

I didn’t join the military but I’m still graduating debt free. stayed home and worked my way through college

[@jenniferbrooks--planj5459]

I've gotten many jobs because of alumni from my school so...🤷🏽‍♀️

[@jenniferbrooks--planj5459]

@@MicheleNichols2 depends on the school. Mine has active alumni chapters in a lot of states.

[@TheCarlinCoop]

First! Love Dave Ramsey

[@gilcooper6548]

Close, but no cigar

[@danielromerosol4158]

Go to Mexico and study almost for free

[@Motag17]

Law school might be the exception

[@zachwalters8001]

Any of the professional degree fields are. There are very expensive, very hard to go into, and one must take on living expense loans.

[@zachwalters8001]

@Johnny Five yes there is. But, statistically speaking you have a 95.9% chance of graduation according to the AMA 2018 report. It’s risk vs. benefit like most things in life. Just like opening a Bussiness or investing money. There aren’t many ways besides parental/family to pay for it other than loans. Dave tells people to work for a hospital that will pay for it. That’s not reality, very far and few between.

[@henrydoake6659]

Save money

[@TonyRome402]

Affirmative action was established in 1619 when the first British colonists arrived with 20 African slaves in Hampton, Virginia. White affirmative action still exists , however, the playing field is clearly leveling out. Affirmative action as we know it in modern America benefits white protected classes as well. With that said; my opinion is that being a white male is not going to save you anymore. The world we live in today is complex with innovation and technology. Intelligence, work ethic, integrity, and education are color blind. Anyone, regardless of race or gender, who puts in the work will most certainly separate themselves from the pack. Racism is not only unnatural. it is also a waste of time. Racism is for fools.

[@iamjacquesbarjon]

As a person that went to Harvard, I feel personally attacked by this video.

[@unseenxxx]

Havard will and probably got you to an amazing place. Dave is talking about the people who went to expensive schools to get into low earning career fields.

[@iamjacquesbarjon]

@@unseenxxx I was kidding. And yes, I've done alright for myself.

[@ethan4048]

Chapel hill is only worth it if your going to be educated by Bart Ehrman 😌

[@nicolegraham1492]

Leftwing feminism ??🤔

[@rosiebaker4250]

Thank you to much for poeples love me everyday sleep samestory wake up samenstory why poeples push me to join if i dont like it i wonder i got a block.i dont want to do then the love me why if you lucky not all lucky yeah why stop my luck where i want to bless as all amen