No Longer A Fan, I think Dave is saying one's got to decide for oneself if he or she is college-material. If you think you are far from making it through the exams, you shouldn't waste your time and money - and to boot, incur huge student debts. College isn't the only way to make a good living.
Yes, in the extremely rare exception. As a rule, tell your children to go to college, because as Dave said, there is a high correlation between education and income.
You need to use good judgement in making the decision whether to go to college as in many other things of life. Don’t always go by what other people tell you you should do. Use your best judgement. It is like when, for example, a salesman wants to sell you a bad bill of goods like a timeshare, it is your decision over theirs. I did that with a timeshare salesman not too long ago. I turned him down, saying, “I got to make my own decision. If I find out I made a regrettable decision, that is my own tough luck.” If you don’t feel comfortable with going to college for example, right away after high school, don’t do it. Don’t let anyone like Dave Ramsey or anyone else, even your parents, con you into a decision you don’t feel at ease with. But just remember, every bad decision and bad judgement may have its consequences. You take a risk with every decision you make.
I never wanted my working class parents paying for my "hobby" so I attended back then "free" community college then transferred to a low-cost state university sure my parents were kind enough to let me stay home and I never asked them for any college tuition or bailouts. My 3 degrees have paid for themselves with not a penny from my parents.
Stay in STEM for under $25,000 total and you’re good. Anything over $40,000 for a degree other then law, medical is just dumb. Go to community college first and reap the rewards of an amazing cheap transfer after 2 years.
+Isaiah094 You're so right! I took that route plus worked full time out of high school while going to community college to study business. My offspring is looking at colleges & surprisingly all of the ones we've visited so far encouraged the kids to go to community college to get their core classes for cheap and one said to also do some more "maturing" 😂
2009 - Graduated public HS, no idea what I was going to do next 2011 - Worked at Speedway Gastation, Seen how much the plumbers made coming in the store and how much work they had. Found a new construction job doing HVAC, under the table. 2013 - Was accepted into union Apprenticeship, based off of the experience gained while working under the table (took 2 years to get accepted) 2017 - Finished on the job training, 2 year "Applied Science degree" and countless certifications 2018 - Bought my first home 2019- Pushing 90k, I could do well over 100k if I worked more than 40hrs, Neither of my parents even graduated highschool, I remember asking a that plumber that came in to the gas station why he became a plumber. He said " Get in where you fit in" very sound advice for a young man with no hope. Good luck all the guys and gals making minimum wage. Hard work pays off.
@@marcio9242 Apply at different companies. Drive to the company and ask for a job in person as well We wont go out of the way to find help because most will quit in 6months. Find a local apprenticeship. Good luck
@@marcio9242 go to the local companies, tell them your interest, ask if they have an apprenticeship/training program and apply. Big plumbing companies in our area need help, want to train the next generation and help them become successful. Good Luck!!
Awesome man! I was broke and about to get evicted working fastfood in my twenties. Went into a little hole in the wall day labor place just looking for quick extra cash to turn my phone back on. The lady felt bad for me and got me a job working for a high end construction company that had a huge project working on the interstate doing road repair. Scale pay job. Went from making 8/hour to 40/hour that day with no experience. So crazy what opportunities are out there if you just look for them. Toughest job I ever had. Sometimes 18 hours doing hard laor but gained experience and work ethic and some days brought home 700 bucks in ONE DAY.
I have a degree in Creative Writing because I wanted to be a novelist. That degree HAS gotten me in the door to several jobs because I can express myself well on paper. I learned nothing about marketing my stories once they're finished, which is what I spent four years asking them about. I had to learn all of that on my own. I do wish I'd made different college decisions. But I'm taking care of it now. I'm going to pay off my debt in a few years.
Sometimes it's not that people aren't cut out for college - they need some time after graduating from high school to choose a solid direction. My nephew took a year off after high school, which alarmed his mother and grandmother. Having dropped out of college myself when I attended right after high school and having to go back a decade later to finish, I insisted on patience. He got into insurance sales, which he seems to enjoy, and he started saving money so he can pay for college and graduate debt-free. He now plans to go to school to study business starting this fall.
b atman my daughter did this too. She moved to Boston from Texas, got a taste of the real world for a year and then came home. It wasn’t until she did that, that she figured out she wanted to be a nurse.
True sometimes the problem is you need to know what you are going to do before you attend college. Attending college without knowing what you are going to do is just as bad as not going.
I’m glad Dave mentioned that he saved money for each of his children. Seriously, what is the point of having children if you don’t put money aside for them? It doesn’t have to be $50,000, it can be as little as $8,000 just as long as it’s something for them to start with! You have 18 years to save and most parents don’t do this. The kids could use that money for college and/or their first car!
Im only 18 but when I have children im gonna make it clear to my children I wont pay for their college unless they have all As and Bs. No Cs whatsoever. Im only saving for their cars and college if they meet those requirements. If one of them tells me they dont want to go to college. I will make sure he/her has his/her life figured out and make sure they are making the right decision
I didn’t go to college because I had no idea what I wanted to be when I grew up. No one told me that I should go anyway because I would likely figure out my path while still taking my basics.
In my opinion college was a waste of money maybe because I learned a lot more through life experiences and could’ve done a lot more with my money instead of throwing it away on a diploma I never used 🤔
Information is cheap online now. Just because you went to college doesn't mean you are educated. Before you make that investment make sure there is a good ROI. College isn't the path to success like it used to be.
It’s kind of simple...if the career you want to be, requires a degree (ie: high school teacher, professor, dietitian, physical therapist, speech therapist, nurse practitioner, etc) then you need to go to college to get that degree. If what you want to do doesn’t require a degree, then don’t go to college. I really don’t understand how the question of “is college for me?” Is any more complicated than that.
So glad he clarified things. Watching the last caller I was like, "wow Dave, that's kind of abrupt and short sighted to make a sweeping generalization like that."
There are schools called 'coding bootcamps' for jobs such as software engineers, it is a competitive route against college for that the bootcamps are *cheaper* and high *job placement* with *high paying* position. I think I am making the right choice to take this instead of college, I will have to fill up what knowledge I would miss from a degree by myself though. College is just not worth the time, money, and effort in my opinion.
Once you secure a position as a software engineer then your new employer can pay for your college degree without you incurring any student loan debt depression.
good job, I'm starting to think I should've done that and I have an engineering degree... what matters is what you do every day - how you think, how you learn, what you remember - i feel like college is more about taking tests
There are so many different ways to study different subjects without the need for college. If your argument is "...someone is more likely to hire you...not because you have a degree, because you KNOW something... about whatever fill in the blank." Then, in theory, a person on their resume can write about their in-depth knowledge on said subject, without the need for the degree that says so. It should be all about proof of that knowledge not the piece of paper like you stated. College is not the only way to get experience in something worthwhile. As much as I disagree with most of what was said, there is one thing I can agree on: Don't tell anyone they are not cut out for college. But I would add also don't tell anyone they NEED to go to college. I heard that so many times. It was aggravating. It was assumed I'd never be successful without going. That is simply not true. You may speak the a majority but statistically, there is still a small percentage of successful people who didn't go. Let each individual decide. There is nothing wrong with not going to college. I know we can agree on at least having a plan to study something, even if the person continues learning different subjects as they find what is perfect for them. You make the right decision for you, don't let anyone talk you out of or into anything.
I realized that I am wasting my time in college with something that I'm not truly even interested in because I am not retaining any of the information I am learning in class. Idk what I can see myself doing I for 20 plus years. That's something I need to figure out
Maybe college 20 years ago was worth it. But being a recent graduate all college does is sort the have and have nots. The value add is a check box that gets filled in on an HR desk. Not what you actually learn
For some people. Without my CompSci or equivalent degree I wouldn't have even gotten into the door of my first job. And without the experience from that job, I wouldn't have likely gotten the job I got when I moved back to the East coast. And without the lot of it, I wouldn't have gotten my current job when I wanted to move from a contractor position to a regular salaried position. I've just completed my 20th year of employment [post grad] in total and that is three jobs where I applied for three total positions and I'd probably be working the geek squad counter, if I was lucky, today without my degree. So, YMMV I guess.
Going to college opens more doors more opportunities. This can help build social networks and will be more likely to get paid more due to the title. You don’t neeed too spend more than 15k on college. All you need so knowledge. Knowlege is power!!!!
education and college should not be confused. people should be seeking to be educated whether college or otherwise, problem isn't college or which college you go to but excelling in the personal gathering of knowledge formally.
Just as a note, I really have to tell you Dave, college has not really given me more knowledge. Most of my classes honestly consist of watching TH-cam videos, and researching on Google. Sometimes I question what I am doing, as I could have learned everything I just learned from a 1k plus dollar class, just from doing independent website.
You need to read some books! You need a teacher that challenges you to think critically. Switch colleges or drop out and work a couple of years then go back so you get more out of it.
You're probably learning more than you realize but, if you really think you're not learning anything, you should probably decide if you're in the right program or not.
Or Life in the Taiga could attend an accredited online college and work in the "real world" while building experience win-win instead of passive learning.
The direct association with higher income and education are highly influenced because of the connections you make in school. I believe this in my case, and so do my friends and family that have went as well. Unless you’re going for something specific like law or medicine, figure out if your path is available without the debt and schooling.
People like doctors lawyer and engineers skew that average. It’s not the college degree that increases your income. Also income isn’t a measurement of a good quality life.
Because I like analogies for some of his callers saying they spent $150k for a job that pays $75k a year its like going to college and paying $50k to learn how to work at McDonalds...
College is definitely not for everyone but it can open a lot of doors for you and help you to move up the management ladder quickly. Having a game plan of how you plan to use your degree practically is just as important as the major you choose. You should also not underestimate the importance of networking. Networking could mean the difference between getting a job out of college or 6 months later or having a starting salary of $30000 or $70000
Degrees were once meant to distinguish. If everyone has one, they have no meaning to do so. In other news, if 98% of people go to 'college' as opposed to learning a trade...we're only getting our plumbers, electricians, etc., from 2% of the population. Not everyone can or should be a CEO or Dr or whatever. Not just because of aptitude, but because if everyone is a boss, there are no workers. If everyone is a Dr, there are no nurses or technicians. The titld becomes meaningless
I'm by no means worried about it happening to that extreme (I was just using the idea presented), it has happened on a smaller scale. Many fields are over-saturated with degrees, and would only be more-so if not for the people getting 'useless' degrees.
S Kyle, Exactly, that's why I think it's so stupid everyone is encouraged to finish high school... we're at 83% graduation rate, there is no distinction anymore, it's meaningless...
Yeah...that's not what I was saying. But let's take that and run with it.Because a HS diploma actually is pretty meaningless. Does anybody actually ask you where you went to high school? Other than to verify that you did? Do they scoff if you didn't go to a particular HS or praise you if you did ? (Oh, Thomas Jefferson High, such a tough school!). Everybody has one, or a GED, or a job that doesn't require it. The only difference it makes is when you want a job that requires a HS diploma or equivalent, or if you want to go to college. If it wasn't for the age restriction on many jobs, a GED taken at the 10th grade level would serve you just as well. In the end, a HS diploma is a standard education because it is free. Because it is free, it is common. Because it is common, employees look for a way to distinguish themselves (outside of fields like engineering which actually require a certain level of education). But if everyone in a career field has the same degree...what good does it do you? The only thing to do is get a Masters. And I have seen more and more jobs requiring Masters that used to require a bachelors. Because a Bachelors degree has become the new HS diploma.
I love all of these rants I feel so blessed to have found Dave through TH-cam I'm hooked and dedicated to clearing my debts. I wish I could have found him earlier in life but everything happens for a reason
I was brainwashed to go to college. I wish I had gone to a trade schools instead. I went for graphic design and 2/3 of my classes didn’t have to do with design or anything that would help with design. 80k debt just to be the first in my family to go to college straight out of high school. Didn’t have a job or save beforehand. Everyone is being brainwashed to go to college whether they would benefit from it or not. Everyone is being brainwashed to go to college whether or not they’d be better off at a trade school. Everyone is being brainwashed to go to college, but the most successful people I know are self taught or learned from the internet. A skill is what makes you money. A degree is nothing but a piece of paper saying you passed your college classes.
Messed up. Get a job with a non-profit, public school or college so you can apply for public service forgiveness. Write off the interest on the student loan debt or get your college to secure you a job that can pay off your student loan debt.
Reiden Lightman okay but a degree opens up the door that you wouldn’t even be able to step in without it. Y’all stay taking about college is unless but be the same ones with failed business but go off I guess.
People always fall for this assumption that it's always about money when it comes to academia. It's also the skills , Connections you learn. To each their own tho. Worked in trades and hated it. But some like yourself and others may thrive in it. We need to push more for people to find their niche of what they like to do
I disagree. I never liked school and always did bad on test. I am going to go into the trades. I am pretty sure money isn't everything I just need enough to eat another day.
In this day age the public school system have become so focused on test scores that kids are not learning what their true strengths are. Half the educators are not there because the want to be, they are there because they need a job. Exposure is everything when young people go to college they have no real idea what a career entails until they step foot into the workplace. I’m going through this right now with my senior. I have suggested going the route I did and enlist in the military for a few years.
There are alternatives to our industrial age education system correct young people in our k-12 education system need to hear success stories from non-college people or entrepreneurial college grads.
While my currently 4, 2, and soon to be 1 year old children probably will go on to college. I’m going to make them VERY choosy about what college they go to. Too many brain wash our kids rather than actually teach them subjects.
Glad you put this out there Dave. Also, no one should be putting their limitations or what they perceive someone will or will not do on other people, especially their kids.
The smart thing to do is to work your way through college and pay for your studies as you go. I did some really awful jobs but graduated debt free. Then I talked my employer into paying for my Masters degree in exchange for me making some challenging company issues the subject of my research. Then I did my PhD a little later while I had a full time job. So I have never had a nickel in student loan debts for 10 years of university study. Oh yeah, worth every cent in terms of the job and income I enjoy today.
College is becoming to expensive. Yes most people need it, but those who are entrepreneurs or want to go to trade school they don’t need to go to college! Time is changing and no longer do you have to go to college.
Our k-12 education system does not require teaching Entrepreneurship that is an elective as for the trades dues to budget cuts, the college mantra became the norm starting from early 1990s now with student loan debt depression at an all-time high the pendulum is shifting toward mastering tangible skills that compensate a person not book knowledge that reveals passing a course on a college transcript yet does not present any skills.
I'm in favor of education, but I'm not necessarily in favor of going to college. I'm saying this as someone who has a college degree. For me, college was not the best environment to learn. I would have learned more if I had just stayed home and read textbooks. I felt like my professors did not always have my back. That said, some people have to get a degree to do the job that they want to do. My take-away message is that just because you don't go to college doesn't mean that you are not intelligent or that you can't get an education through other means.
I inherited a large farm before I graduated HS. I got married around this time. I got into an Agri Business degree but left it - because I want to focus on organic farming/homesteading and would rather put our money towards actually starting the farm because NO ONE in that class took it seriously, not even the professor. I’m happy with my choice - go learn a trade or apprentice and save yourself a ton of debt (unless you’re a surgeon or doctor or lawyer)
Go to college for something useful like engineering or something in the healthcare field. That's where you will make money. I cringe hard when someone tells me their going to college for liberal arts or something related to it which are absolutely useless fields of study.
Dean M hm that’s funny considering most people who major in the medical field and engineering field drop out. How about your mind your business and focus on your self instead of making fun of a whole field that makes the world most interesting. Because i know for a fact graphic design is not a useless major and will be needed for YEARS.
@@nanawordie7967 Not really, most Graphic Design jobs are being automated and the profession does not pay well. Most Non-STEM based majors have a low R.O.I. as well. I suggest to only look into STEM Fields.
That lady who did sociology can do so much with her degree. It's all about knowing how to market herself and what jobs apply to her. I did my bachelor's and masters in sociology (which i did consecutively). I use to feel that they were a waste until I started looking at my career options and it's vast. It's all about applying skills she has acquired. Don't discredit what you don't understand.
I think you entirely missed his point. He said the woman claimed she spent $250,000 to study Sociology. He wasn't directly against Sociology as a course. Except, maybe, I entirely missed your point. And if the latter is the case, then I apologize. 🙏🏾
But how much does an average sociology job pay? I do not want to discredit your career but $250,000 is med school like debt. If you are paying that much for a degree you better be making a salary comparable to a doctor.
I accidentally got a degree in Sociology because I took so many electives when completing my BA in Communications. People would argue that neither of these are useful degrees but I went to a state university as a resident so it wasn’t that expensive. These degrees have been helpful in my field- sales and corporate communications. The sociology piece gave me insight to other cultures and how they receive information.
Nothing wrong with those fields just blend your degree with SKILLS otherwise your degrees are just that pieces of paper. However disproportionate number of women and minorities in the liberal arts and social services that pay lower than STEM, Business or skilled trades with almost no crushing student loan debt.
What about those people who say "Just the fact that you have a bachelor's degree will make employers take you more seriously! Even if you're not working in your field, it could lead into other things!" Like what?
Look into praxis! They are a job skills boot camp you can find your skills and learn for 6 months, followed by 6 more months as an apprentice working on projects with start-ups that build your portfolio.
Yeah, it's hard to find something you like and want to pursue but you need to actively look. What do you like doing for fun? Your hobbies? You might be able to stem off of thay
How to Take Full Advantage of Financial Aid: Breakdown of revenue streams' maximum potential for an independent undergraduate student as a freshman (for the 2018-2019 academic year): Income protection allowance (W-2 job income): $10,220 Federal Pell Grant: $6,095 Direct unsubsidized Stafford loan: $6,000 Plasma donations: $4,680 Direct subsidized Stafford loan: $3,500 Family allowance: $2,850 Food stamps/SNAP: $2,304 Gross revenue from all sources: $35,649 Income taxes paid on all revenue sources: $0 Average hours per week worked: 20 or less (at W-2 job only) Breakdown of revenue streams' maximum potential for an independent undergraduate student as a sophomore (for the 2019-2020 academic year): Income protection allowance (W-2 job income): $10,220 Federal Pell Grant: $6,095 Direct unsubsidized Stafford loan: $6,000 Plasma donations: $4,680 Direct subsidized Stafford loan: $4,500 Family allowance: $2,850 Food stamps/SNAP: $2,304 Gross from all revenue streams: $36,649 Income taxes paid on all revenue streams: $0 Average hours per week worked: Under 20 (at W-2 job only) Breakdown of revenue streams' maximum potential for an independent undergraduate student as a junior or senior (for the 2020-2021, 2021-2022, 2022-2023 academic years): Income protection allowance (W-2 job income): $10,220 Federal Pell Grant: $6,095 Direct unsubsidized Stafford loan: $7,000 Plasma donations: $4,680 Direct subsidized Stafford loan: $5,500 Family allowance: $2,850 Food stamps/SNAP: $2,304 Gross from all revenue streams: $38,649 Income taxes paid on all revenue: $0 Average hours per week worked: Under 20 (at W-2 job only) Grand potential total of all revenue streams over 5 years: $188,245. Income taxes paid on all revenue streams over 5 years: $0 Average hours per week worked: 20 or less (at W-2 job only)
i want to do what i love.. idc.. i never liked doing assignments, exams etc.. i just like enjoying the fruits of life. i understand "work" is invovled, but i know that doing what you love can bring you abundance too.
My son has educational blocks he is only 13 and has expressed interest in welding, the high school offer CTE courses in shop and welding. I too had educational issues never diagnosed But I have always lean toward hands on learning versus academic school book career choices. College was never pushed or put down in my home but we knew it was our responsibility to pay for. I like your concept of knowing what you’re going into and I’ve always taught my children that Ivy League or community college does not matter you don’t have to go away to school and join whatever clubs to get a good education.
I agree with Mr. Ramsey’s points on some of his views. Education is not bad, but contemporary universities in the USA are antiquated and charge an exorbitant amount of tuition for many “fluff classes“. You can get the same level of information and be educated in six months compared to four years at a traditional institution. 💯
And to his many points in this video (specifically the part where he talks about saving for his children's (and grandchildren's) education) I whole heartedly believe Parenting SHOULD be a Curriculum, and a mandatory one in all educational institutions.
College is the key to upward mobility, most entry-level careers (not retail or hospitality or trade work) require a bachelors in anything just to show you have the patience and drive to see a project through. Better careers "prefer" masters in a specialized field.
Books are at the store, classes are online. That makes college a waste of money and time in my opinion. College is not the only way to become successful.
Picking the right degree MATTERS folks. Major in something that you will get a job within 6 months after you graduate. Minor in something that you love.
When I was 16, I decided that I wasn’t sure if I really wanted to go to college. My parents, being good parents, said if don’t want to go to college then I had to pick a trade to learn. My junior and senior year in high school I learned and certified in welding. I’m currently 18 years old and started a tig welding apprenticeship a couple weeks ago. Starting pay is $15 an hour. I should be able to test out of the apprenticeship by the end of the year and start making $19-20 an hour. THATS BEFORE I turn 19! The company will also pay for any college tuition as long as it does not affect my work. My advice to younger teens is to learn a trade for free by going to a vocational high school or career center during your junior and senior year in high school. It doesn’t even have to be something you knew about or thought you would like. I don’t think I will be a welding for my whole life but it certainly has gotten me a great job out of high school and set me up to never be in debt for anything outside of a mortgage.
Going into the trades is a great option, and the limit you can make is up to you. Most people work for someone for a few years then start their own business. I know tons of people in the trades rn making well over 100 grand and with no or next to no student debt. Also the job can never be outsourced, I left a business program to go to trade school and it was the best decision I ever made.
I think too many people focus way too much on the earning potential and degrees rather than skills. I feel like at the end of the day every one wants that garuntee of a corporate job and job security. There is so much that goes into this decision and I think people are afraid that they might get stuck at a dead end job.
I am 60yrs I have been doing menial jobs all my life , I like education but for some reason I couldn't learn now I turn 59 60 my brains open up , I hated math now math is my best subject , well am 60 and am going to nursing school and my age or nothing is going to stop me.
Dave every time I see your videos I feel like we’re having a one on one and you’re scolding me lol 😂 thanks for your videos they’re very knowledgeable and helpful for me.
One of the many reasons I hated HS lol. They would try to put in our heads that college is the only route to be successful. News flash, you can make so much money in trades and guess what, they're not in college.
All of his "public college" arguments are based on universities in the south and southwest (see U of Tennessee helmet). Most public universities in the northeast are very very expensive.
I wish Dave would mention that for college to be worth it, you should take advantage of as many of the "free" opportunities that you have as a paying student. Career fairs, mock interviews, resume reviews, organizations that connect you with employers, company visits and tours, literally the list goes on forever. I'm currently a junior studying Petroleum Engineering. I literally had a kid in my class tell me to my face that it's easier for women to get jobs in the oil industry. I swear I wanted to smack him but I was so shocked I didn't even have anything to say. Looking back I know he was just hurt that he didn't have any internship offers flying his way (like I did), but I've realized that a lot of people assume that jobs just magically land in my lap. No, they don't. On top of working my a$$ off for good grades, I've attended more professional development and networking events than I can count. I've taken advantage of almost every opportunity so far, and I'm getting ready for my internship with a MAJOR oil company this summer. On top of everything, I've kept the cost of attending college to less than 12k/y (my school is out of state so that is significantly lower than the 40k that it would be). This is because of all of the scholarships/grants that I apply for with the difference being covered by a combination of money from internships, my parents, and working 13 hours a week as a tutor. Good luck to anybody wishing to pursue a degree in engineering; it is by far the most difficult thing degree to earn, but come graduation I will (hopefully) be debt free with a high paying job in an exciting field.
Graduating at the end of June with a degree and technical and applied sciences from Ohio University. Private, reasonably priced school. I will carry no debt because I only went part time while working at a good union job full time. Took summer courses in order to get caught. It can be done.
I feel that there SHOULD be college quotas. Only 20%-30% of people should attend college. College should only be for A-B+students w/130 and above IQs. Most people have no business attending college.
The first thing you should ask yourself when choosing a degree is “is this something I want to do?” The second thing you should ask yourself is will I make a living out of this degree
ADHD is not just a focus disorder, there's a whole lot more to it than that and isn't curable by just putting your mind to it. It is a life long disability and is on a spectrum. It has the worst social stigma around it.
Err, interesting choice of example that you can't become ceo of Microsoft, weren't the founders drop outs? Ignoring that I agree with the point that further education works in some circumstances but not all and where it works it's worth it.
You can blame this college debt scandal partly on the fact that some of those who are in steep student loan debt have been brainwashed by their parents and peers to go to college when they otherwise feel very uncomfortable in their right mind to do it on account of the risk of getting into a bad debt situation. That is one thing I can jump on Dave Ramsey for. I can really scour these people, who, for brainwashing these kids, the kids find themselves in very unfortunate situations simply because they listened to whoever it was that going to college is a good idea to go to even if it means taking out this horrendous student loan. Kids, be very careful whom you listen to. I cannot emphasize this enough. The wrong people can lead you into a ditch and I mean a bad one.
I’d be cautious about college for some kids. First of all, if you’re not performing well in school now, then you’re probably not mature enough to be spending on college. You can take a gap year and work, or go to community college, etc. likewise, I wouldn’t recommend going until you’re ready to explain what the job you want is, why you need college to do it, how you’re going to pay for it, and what you need to learn in school and what experiences you need to stand out to a future employer. The problem isn’t college, it’s that too many people go blindly having no idea how to use college education or how to build a resume that stands out. They go to go. They don’t know what they’ll do when they graduate. And all of this is exactly as stupid as calling a cab and sitting in it with the meter running while you decide where you’re going and if you needed a cab in the first place.
lucky you Dave, I had to repeat 2nd grade, not fair! you got to pass 2nd grade the first time. I went through it again in 1989, I should have graduated high school in 1999. not 2000.
Engineering was a bad carrer path for me, in quebec, canada. Long hours with no break at the office surrounded by loosers and bosses. I'm thinking of learning a trade : pension, benefits and higher salary. I should not have listened to my poor parents who lack of confidence.
What do you think of the Real Estate field as a substitute of going to college. Still lots of learning and tons of opportunity for growth with under 1,000$ to get into it.
I like the path that I took from the beginning - start your own business, in anything your great at... AND GRINDDDDDD - college is just a place to meet people and network... But to many lies spreading through the public school system these days... not a fan
Depends. Take one of those personality assessments like the Birkmann or research, consult with others plenty of trades that have pay exceeding those of college degrees yet STEM, Business or Health Care college degrees can give major career lift with a salary enabling you to live in the city.
"Should everyone go to college?" This is an improper question in that it starts too far down the path to be of any logical use. It is begging the question that college is somehow inherently useful. A more correct question would be to ask if whether or not college is necessary for all paths. A question more relevant to our times would be whether or not the initial investment is worth the pay out.
Hello, I'm thinking to go straight to the workforce after high school graduation since its really not worth putting over 40 grand for a diploma. I also do not wanna face any debt. I've considered working with trade jobs. Do students still have debt to pay after graduating college regardless of the scholarships they receive? What are your opinions towards this? People that don't go to college, do they still suceed in life? Do college required jobs pay more than non required college jobs?
A stay at home mom needs an eighth grade education and a driver's license. The actual tasks do not require more than that. Stay at home moms with advanced degrees not only wasted their own and their family's money, they took up space that someone else would actually have used.
College isn’t a level of seccess it’s a bill, I’m a heat and air guy I make 80,000 a year .ps. I have a degree in criminal justice I paid cash for my college.
![BOWKYLION - วิงวอน (ex-change) [Official MV]](http://i.ytimg.com/vi/cLdnZWDaO-w/mqdefault.jpg)
Telling someone they should go to college could be just as dangerous as telling them they shouldn't.
No Longer A Fan,
I think Dave is saying one's got to decide for oneself if he or she is college-material. If you think you are far from making it through the exams, you shouldn't waste your time and money - and to boot, incur huge student debts. College isn't the only way to make a good living.
Yes, in the extremely rare exception. As a rule, tell your children to go to college, because as Dave said, there is a high correlation between education and income.
You need to use good judgement in making the decision whether to go to college as in many other things of life. Don’t always go by what other people tell you you should do. Use your best judgement. It is like when, for example, a salesman wants to sell you a bad bill of goods like a timeshare, it is your decision over theirs. I did that with a timeshare salesman not too long ago. I turned him down, saying, “I got to make my own decision. If I find out I made a regrettable decision, that is my own tough luck.” If you don’t feel comfortable with going to college for example, right away after high school, don’t do it. Don’t let anyone like Dave Ramsey or anyone else, even your parents, con you into a decision you don’t feel at ease with. But just remember, every bad decision and bad judgement may have its consequences. You take a risk with every decision you make.
I never wanted my working class parents paying for my "hobby" so I attended back then "free" community college then transferred to a low-cost state university sure my parents were kind enough to let me stay home and I never asked them for any college tuition or bailouts. My 3 degrees have paid for themselves with not a penny from my parents.
True.
Stay in STEM for under $25,000 total and you’re good. Anything over $40,000 for a degree other then law, medical is just dumb. Go to community college first and reap the rewards of an amazing cheap transfer after 2 years.
Spot on
Btw don’t sleep on trades. They’re needed dearly in this market, are extremely affordable and get you in the workforce in half the time.
Yep that was what my counselor suggested. Did that then worked part time to save up tuition for my last two years.
Also over time you are in demand and the pay is excellent.
+Isaiah094 You're so right! I took that route plus worked full time out of high school while going to community college to study business. My offspring is looking at colleges & surprisingly all of the ones we've visited so far encouraged the kids to go to community college to get their core classes for cheap and one said to also do some more "maturing" 😂
2009 - Graduated public HS, no idea what I was going to do next
2011 - Worked at Speedway Gastation, Seen how much the plumbers made coming in the store and how much work they had. Found a new construction job doing HVAC, under the table.
2013 - Was accepted into union Apprenticeship, based off of the experience gained while working under the table (took 2 years to get accepted)
2017 - Finished on the job training, 2 year "Applied Science degree" and countless certifications
2018 - Bought my first home
2019- Pushing 90k, I could do well over 100k if I worked more than 40hrs,
Neither of my parents even graduated highschool, I remember asking a that plumber that came in to the gas station why he became a plumber. He said " Get in where you fit in" very sound advice for a young man with no hope. Good luck all the guys and gals making minimum wage. Hard work pays off.
i wanna do this to i want to be a plumber and start my own bussiness one day any advice?
@@marcio9242 Apply at different companies. Drive to the company and ask for a job in person as well We wont go out of the way to find help because most will quit in 6months. Find a local apprenticeship. Good luck
@@marcio9242 go to the local companies, tell them your interest, ask if they have an apprenticeship/training program and apply. Big plumbing companies in our area need help, want to train the next generation and help them become successful. Good Luck!!
H
Awesome man! I was broke and about to get evicted working fastfood in my twenties. Went into a little hole in the wall day labor place just looking for quick extra cash to turn my phone back on. The lady felt bad for me and got me a job working for a high end construction company that had a huge project working on the interstate doing road repair. Scale pay job. Went from making 8/hour to 40/hour that day with no experience. So crazy what opportunities are out there if you just look for them. Toughest job I ever had. Sometimes 18 hours doing hard laor but gained experience and work ethic and some days brought home 700 bucks in ONE DAY.
I have a degree in Creative Writing because I wanted to be a novelist. That degree HAS gotten me in the door to several jobs because I can express myself well on paper. I learned nothing about marketing my stories once they're finished, which is what I spent four years asking them about. I had to learn all of that on my own. I do wish I'd made different college decisions. But I'm taking care of it now. I'm going to pay off my debt in a few years.
Sometimes it's not that people aren't cut out for college - they need some time after graduating from high school to choose a solid direction. My nephew took a year off after high school, which alarmed his mother and grandmother. Having dropped out of college myself when I attended right after high school and having to go back a decade later to finish, I insisted on patience. He got into insurance sales, which he seems to enjoy, and he started saving money so he can pay for college and graduate debt-free. He now plans to go to school to study business starting this fall.
b atman my daughter did this too. She moved to Boston from Texas, got a taste of the real world for a year and then came home. It wasn’t until she did that, that she figured out she wanted to be a nurse.
That is great he will study a practical field with higher maturity and interest.
True sometimes the problem is you need to know what you are going to do before you attend college. Attending college without knowing what you are going to do is just as bad as not going.
Exactly I went to a community college out pocket and decieded college wasnt for me
I’m glad Dave mentioned that he saved money for each of his children. Seriously, what is the point of having children if you don’t put money aside for them? It doesn’t have to be $50,000, it can be as little as $8,000 just as long as it’s something for them to start with! You have 18 years to save and most parents don’t do this. The kids could use that money for college and/or their first car!
Im only 18 but when I have children im gonna make it clear to my children I wont pay for their college unless they have all As and Bs. No Cs whatsoever. Im only saving for their cars and college if they meet those requirements. If one of them tells me they dont want to go to college. I will make sure he/her has his/her life figured out and make sure they are making the right decision
@@ihadtotaketheredpill What if those kids screw up? Car accidents, etc.
I didn’t go to college because I had no idea what I wanted to be when I grew up. No one told me that I should go anyway because I would likely figure out my path while still taking my basics.
How has life been to you?
how's your life now ?
In my opinion college was a waste of money maybe because I learned a lot more through life experiences and could’ve done a lot more with my money instead of throwing it away on a diploma I never used 🤔
@INVESTING HUSTLER - Stocks Money Entertainment | What did you get your diploma in?
Information is cheap online now. Just because you went to college doesn't mean you are educated. Before you make that investment make sure there is a good ROI. College isn't the path to success like it used to be.
💯
Whats a ROI?
@@ihadtotaketheredpill Return on investment
It’s kind of simple...if the career you want to be, requires a degree (ie: high school teacher, professor, dietitian, physical therapist, speech therapist, nurse practitioner, etc) then you need to go to college to get that degree. If what you want to do doesn’t require a degree, then don’t go to college. I really don’t understand how the question of “is college for me?” Is any more complicated than that.
Alot of people don't know what they want.
So glad he clarified things. Watching the last caller I was like, "wow Dave, that's kind of abrupt and short sighted to make a sweeping generalization like that."
This is still a thing? Wake up people this isn't the 1970's!
What does that me. 1970
There are schools called 'coding bootcamps' for jobs such as software engineers, it is a competitive route against college for that the bootcamps are *cheaper* and high *job placement* with *high paying* position.
I think I am making the right choice to take this instead of college, I will have to fill up what knowledge I would miss from a degree by myself though.
College is just not worth the time, money, and effort in my opinion.
Once you secure a position as a software engineer then your new employer can pay for your college degree without you incurring any student loan debt depression.
good job, I'm starting to think I should've done that and I have an engineering degree... what matters is what you do every day - how you think, how you learn, what you remember - i feel like college is more about taking tests
There are so many different ways to study different subjects without the need for college. If your argument is "...someone is more likely to hire you...not because you have a degree, because you KNOW something... about whatever fill in the blank." Then, in theory, a person on their resume can write about their in-depth knowledge on said subject, without the need for the degree that says so. It should be all about proof of that knowledge not the piece of paper like you stated. College is not the only way to get experience in something worthwhile. As much as I disagree with most of what was said, there is one thing I can agree on: Don't tell anyone they are not cut out for college. But I would add also don't tell anyone they NEED to go to college. I heard that so many times. It was aggravating. It was assumed I'd never be successful without going. That is simply not true. You may speak the a majority but statistically, there is still a small percentage of successful people who didn't go. Let each individual decide. There is nothing wrong with not going to college. I know we can agree on at least having a plan to study something, even if the person continues learning different subjects as they find what is perfect for them. You make the right decision for you, don't let anyone talk you out of or into anything.
I realized that I am wasting my time in college with something that I'm not truly even interested in because I am not retaining any of the information I am learning in class.
Idk what I can see myself doing I for 20 plus years. That's something I need to figure out
I’m going through this right now. What did you do?
Yeah same, what have you been up to?
Maybe college 20 years ago was worth it. But being a recent graduate all college does is sort the have and have nots. The value add is a check box that gets filled in on an HR desk. Not what you actually learn
College is a waste of time and a scam unless you want to be a doctor/surgeon, I’m glad I realized that before I went any further.
You are a smart person. You were not fooled but joining the college (AKA scam)
For some people. Without my CompSci or equivalent degree I wouldn't have even gotten into the door of my first job. And without the experience from that job, I wouldn't have likely gotten the job I got when I moved back to the East coast. And without the lot of it, I wouldn't have gotten my current job when I wanted to move from a contractor position to a regular salaried position.
I've just completed my 20th year of employment [post grad] in total and that is three jobs where I applied for three total positions and I'd probably be working the geek squad counter, if I was lucky, today without my degree.
So, YMMV I guess.
What about engineering?
Lol you missed the whole point of the video.
Going to college opens more doors more opportunities. This can help build social networks and will be more likely to get paid more due to the title. You don’t neeed too spend more than 15k on college. All you need so knowledge.
Knowlege is power!!!!
education and college should not be confused. people should be seeking to be educated whether college or otherwise, problem isn't college or which college you go to but excelling in the personal gathering of knowledge formally.
Just as a note, I really have to tell you Dave, college has not really given me more knowledge. Most of my classes honestly consist of watching TH-cam videos, and researching on Google. Sometimes I question what I am doing, as I could have learned everything I just learned from a 1k plus dollar class, just from doing independent website.
You need to read some books! You need a teacher that challenges you to think critically. Switch colleges or drop out and work a couple of years then go back so you get more out of it.
You're probably learning more than you realize but, if you really think you're not learning anything, you should probably decide if you're in the right program or not.
Or Life in the Taiga could attend an accredited online college and work in the "real world" while building experience win-win instead of passive learning.
That’s your own fault for not choosing a major that is worth what you’re paying for it and best learned in the classroom
You're not in the right program then
The direct association with higher income and education are highly influenced because of the connections you make in school. I believe this in my case, and so do my friends and family that have went as well. Unless you’re going for something specific like law or medicine, figure out if your path is available without the debt and schooling.
People like doctors lawyer and engineers skew that average. It’s not the college degree that increases your income. Also income isn’t a measurement of a good quality life.
Doctors and lawyers are not a part of the category of "people whose highest eductaion level is bachelor's degree" so they do not skew the numbers...
Chris Dexter that depends on the stat your looking at. Most states don’t separate it that way. Either way engineers still skew that average
I second the idea that income is not necessarily an indicator of having a good life, especially if the job is a high stress one.
Because I like analogies for some of his callers saying they spent $150k for a job that pays $75k a year its like going to college and paying $50k to learn how to work at McDonalds...
College is definitely not for everyone but it can open a lot of doors for you and help you to move up the management ladder quickly. Having a game plan of how you plan to use your degree practically is just as important as the major you choose. You should also not underestimate the importance of networking. Networking could mean the difference between getting a job out of college or 6 months later or
having a starting salary of $30000 or $70000
Degrees were once meant to distinguish. If everyone has one, they have no meaning to do so.
In other news, if 98% of people go to 'college' as opposed to learning a trade...we're only getting our plumbers, electricians, etc., from 2% of the population. Not everyone can or should be a CEO or Dr or whatever. Not just because of aptitude, but because if everyone is a boss, there are no workers. If everyone is a Dr, there are no nurses or technicians. The titld becomes meaningless
I'm by no means worried about it happening to that extreme (I was just using the idea presented), it has happened on a smaller scale. Many fields are over-saturated with degrees, and would only be more-so if not for the people getting 'useless' degrees.
S Kyle, Exactly, that's why I think it's so stupid everyone is encouraged to finish high school... we're at 83% graduation rate, there is no distinction anymore, it's meaningless...
Yeah...that's not what I was saying. But let's take that and run with it.Because a HS diploma actually is pretty meaningless. Does anybody actually ask you where you went to high school? Other than to verify that you did? Do they scoff if you didn't go to a particular HS or praise you if you did ? (Oh, Thomas Jefferson High, such a tough school!). Everybody has one, or a GED, or a job that doesn't require it. The only difference it makes is when you want a job that requires a HS diploma or equivalent, or if you want to go to college.
If it wasn't for the age restriction on many jobs, a GED taken at the 10th grade level would serve you just as well. In the end, a HS diploma is a standard education because it is free.
Because it is free, it is common. Because it is common, employees look for a way to distinguish themselves (outside of fields like engineering which actually require a certain level of education). But if everyone in a career field has the same degree...what good does it do you? The only thing to do is get a Masters. And I have seen more and more jobs requiring Masters that used to require a bachelors. Because a Bachelors degree has become the new HS diploma.
@@latimer442 , I agree. I'm not letting my kids go past 8th grade. It's pointless. They can learn a trade.
Chris Dexter it's always good to see a Dad wanting his kids to do better than himself!
I love all of these rants I feel so blessed to have found Dave through TH-cam I'm hooked and dedicated to clearing my debts. I wish I could have found him earlier in life but everything happens for a reason
I love the way you set yourself aside from the fringe in your opening statements and gave a good opinion overall. Great stuff.
‘Read a book’ lol, I can’t believe that we have to actually tell people that
Read 1984.
I was brainwashed to go to college. I wish I had gone to a trade schools instead. I went for graphic design and 2/3 of my classes didn’t have to do with design or anything that would help with design. 80k debt just to be the first in my family to go to college straight out of high school. Didn’t have a job or save beforehand.
Everyone is being brainwashed to go to college whether they would benefit from it or not. Everyone is being brainwashed to go to college whether or not they’d be better off at a trade school. Everyone is being brainwashed to go to college, but the most successful people I know are self taught or learned from the internet.
A skill is what makes you money. A degree is nothing but a piece of paper saying you passed your college classes.
Messed up. Get a job with a non-profit, public school or college so you can apply for public service forgiveness. Write off the interest on the student loan debt or get your college to secure you a job that can pay off your student loan debt.
Reiden Lightman okay but a degree opens up the door that you wouldn’t even be able to step in without it. Y’all stay taking about college is unless but be the same ones with failed business but go off I guess.
People always fall for this assumption that it's always about money when it comes to academia. It's also the skills , Connections you learn. To each their own tho. Worked in trades and hated it. But some like yourself and others may thrive in it. We need to push more for people to find their niche of what they like to do
I disagree. I never liked school and always did bad on test. I am going to go into the trades. I am pretty sure money isn't everything I just need enough to eat another day.
In this day age the public school system have become so focused on test scores that kids are not learning what their true strengths are. Half the educators are not there because the want to be, they are there because they need a job. Exposure is everything when young people go to college they have no real idea what a career entails until they step foot into the workplace. I’m going through this right now with my senior. I have suggested going the route I did and enlist in the military for a few years.
There are alternatives to our industrial age education system correct young people in our k-12 education system need to hear success stories from non-college people or entrepreneurial college grads.
While my currently 4, 2, and soon to be 1 year old children probably will go on to college. I’m going to make them VERY choosy about what college they go to. Too many brain wash our kids rather than actually teach them subjects.
Glad you put this out there Dave. Also, no one should be putting their limitations or what they perceive someone will or will not do on other people, especially their kids.
The smart thing to do is to work your way through college and pay for your studies as you go. I did some really awful jobs but graduated debt free. Then I talked my employer into paying for my Masters degree in exchange for me making some challenging company issues the subject of my research. Then I did my PhD a little later while I had a full time job. So I have never had a nickel in student loan debts for 10 years of university study. Oh yeah, worth every cent in terms of the job and income I enjoy today.
Paul Davis ..congrats on your college indoctrination, sorry, I mean education
College is becoming to expensive. Yes most people need it, but those who are entrepreneurs or want to go to trade school they don’t need to go to college! Time is changing and no longer do you have to go to college.
Our k-12 education system does not require teaching Entrepreneurship that is an elective as for the trades dues to budget cuts, the college mantra became the norm starting from early 1990s now with student loan debt depression at an all-time high the pendulum is shifting toward mastering tangible skills that compensate a person not book knowledge that reveals passing a course on a college transcript yet does not present any skills.
I'm in favor of education, but I'm not necessarily in favor of going to college. I'm saying this as someone who has a college degree. For me, college was not the best environment to learn. I would have learned more if I had just stayed home and read textbooks. I felt like my professors did not always have my back. That said, some people have to get a degree to do the job that they want to do. My take-away message is that just because you don't go to college doesn't mean that you are not intelligent or that you can't get an education through other means.
I inherited a large farm before I graduated HS. I got married around this time. I got into an Agri Business degree but left it - because I want to focus on organic farming/homesteading and would rather put our money towards actually starting the farm because NO ONE in that class took it seriously, not even the professor.
I’m happy with my choice - go learn a trade or apprentice and save yourself a ton of debt (unless you’re a surgeon or doctor or lawyer)
Go to college for something useful like engineering or something in the healthcare field. That's where you will make money. I cringe hard when someone tells me their going to college for liberal arts or something related to it which are absolutely useless fields of study.
Dean M hm that’s funny considering most people who major in the medical field and engineering field drop out. How about your mind your business and focus on your self instead of making fun of a whole field that makes the world most interesting. Because i know for a fact graphic design is not a useless major and will be needed for YEARS.
Liberal arts is not a bad choice if you know how to market yourself
@@nanawordie7967 Not really, most Graphic Design jobs are being automated and the profession does not pay well. Most Non-STEM based majors have a low R.O.I. as well. I suggest to only look into STEM Fields.
@@pieadapter3615 Not necessarily, the pay for Arts, Humanities, and Social Sciences are not worthwhile.
@@infamouscrusader3363 The pay maybe but if you enjoy it who cares.
That lady who did sociology can do so much with her degree. It's all about knowing how to market herself and what jobs apply to her. I did my bachelor's and masters in sociology (which i did consecutively). I use to feel that they were a waste until I started looking at my career options and it's vast. It's all about applying skills she has acquired. Don't discredit what you don't understand.
I think you entirely missed his point. He said the woman claimed she spent $250,000 to study Sociology. He wasn't directly against Sociology as a course. Except, maybe, I entirely missed your point. And if the latter is the case, then I apologize. 🙏🏾
But how much does an average sociology job pay? I do not want to discredit your career but $250,000 is med school like debt. If you are paying that much for a degree you better be making a salary comparable to a doctor.
@@aja23136 that's it the jobs vary in salary but either way I cannot understand how she paid that much.
I accidentally got a degree in Sociology because I took so many electives when completing my BA in Communications. People would argue that neither of these are useful degrees but I went to a state university as a resident so it wasn’t that expensive. These degrees have been helpful in my field- sales and corporate communications. The sociology piece gave me insight to other cultures and how they receive information.
Nothing wrong with those fields just blend your degree with SKILLS otherwise your degrees are just that pieces of paper. However disproportionate number of women and minorities in the liberal arts and social services that pay lower than STEM, Business or skilled trades with almost no crushing student loan debt.
What about those people who say "Just the fact that you have a bachelor's degree will make employers take you more seriously! Even if you're not working in your field, it could lead into other things!" Like what?
I needed to hear this! I'm 19 and trying to find direction. Stuck in a $10/hr job right now. Don't know what to go to school for.
Look into praxis! They are a job skills boot camp you can find your skills and learn for 6 months, followed by 6 more months as an apprentice working on projects with start-ups that build your portfolio.
Yeah, it's hard to find something you like and want to pursue but you need to actively look. What do you like doing for fun? Your hobbies? You might be able to stem off of thay
How to Take Full Advantage of Financial Aid:
Breakdown of revenue streams' maximum potential for an independent undergraduate student as a freshman (for the 2018-2019 academic year):
Income protection allowance (W-2 job income): $10,220
Federal Pell Grant: $6,095
Direct unsubsidized Stafford loan: $6,000
Plasma donations: $4,680
Direct subsidized Stafford loan: $3,500
Family allowance: $2,850
Food stamps/SNAP: $2,304
Gross revenue from all sources: $35,649
Income taxes paid on all revenue sources: $0
Average hours per week worked: 20 or less (at W-2 job only)
Breakdown of revenue streams' maximum potential for an independent undergraduate student as a sophomore (for the 2019-2020 academic year):
Income protection allowance (W-2 job income): $10,220
Federal Pell Grant: $6,095
Direct unsubsidized Stafford loan: $6,000
Plasma donations: $4,680
Direct subsidized Stafford loan: $4,500
Family allowance: $2,850
Food stamps/SNAP: $2,304
Gross from all revenue streams: $36,649
Income taxes paid on all revenue streams: $0
Average hours per week worked: Under 20 (at W-2 job only)
Breakdown of revenue streams' maximum potential for an independent undergraduate student as a junior or senior (for the 2020-2021, 2021-2022, 2022-2023 academic years):
Income protection allowance (W-2 job income): $10,220
Federal Pell Grant: $6,095
Direct unsubsidized Stafford loan: $7,000
Plasma donations: $4,680
Direct subsidized Stafford loan: $5,500
Family allowance: $2,850
Food stamps/SNAP: $2,304
Gross from all revenue streams: $38,649
Income taxes paid on all revenue: $0
Average hours per week worked: Under 20 (at W-2 job only)
Grand potential total of all revenue streams over 5 years: $188,245.
Income taxes paid on all revenue streams over 5 years: $0
Average hours per week worked: 20 or less (at W-2 job only)
Gain assets, learn trades, and live frugally.
i want to do what i love.. idc.. i never liked doing assignments, exams etc..
i just like enjoying the fruits of life.
i understand "work" is invovled, but i know that doing what you love can bring you abundance too.
My son has educational blocks he is only 13 and has expressed interest in welding, the high school offer CTE courses in shop and welding. I too had educational issues never diagnosed But I have always lean toward hands on learning versus academic school book career choices. College was never pushed or put down in my home but we knew it was our responsibility to pay for. I like your concept of knowing what you’re going into and I’ve always taught my children that Ivy League or community college does not matter you don’t have to go away to school and join whatever clubs to get a good education.
You are right!
I agree with Mr. Ramsey’s points on some of his views. Education is not bad, but contemporary universities in the USA are antiquated and charge an exorbitant amount of tuition for many “fluff classes“.
You can get the same level of information and be educated in six months compared to four years at a traditional institution. 💯
And to his many points in this video (specifically the part where he talks about saving for his children's (and grandchildren's) education) I whole heartedly believe Parenting SHOULD be a Curriculum, and a mandatory one in all educational institutions.
Dave you’re the best you’re helping people I love watching these it’s so interesting.
College is the key to upward mobility, most entry-level careers (not retail or hospitality or trade work) require a bachelors in anything just to show you have the patience and drive to see a project through. Better careers "prefer" masters in a specialized field.
colleges are unnecessarily expensive. Theres so many costs like insane administrative fees that make it absolutely ridiculous
I'm learning Metals Fabrication Technology(welding and machining) and have one year to go.
Books are at the store, classes are online. That makes college a waste of money and time in my opinion. College is not the only way to become successful.
Picking the right degree MATTERS folks.
Major in something that you will get a job within 6 months after you graduate.
Minor in something that you love.
When I was 16, I decided that I wasn’t sure if I really wanted to go to college. My parents, being good parents, said if don’t want to go to college then I had to pick a trade to learn. My junior and senior year in high school I learned and certified in welding. I’m currently 18 years old and started a tig welding apprenticeship a couple weeks ago. Starting pay is $15 an hour. I should be able to test out of the apprenticeship by the end of the year and start making $19-20 an hour. THATS BEFORE I turn 19! The company will also pay for any college tuition as long as it does not affect my work. My advice to younger teens is to learn a trade for free by going to a vocational high school or career center during your junior and senior year in high school. It doesn’t even have to be something you knew about or thought you would like. I don’t think I will be a welding for my whole life but it certainly has gotten me a great job out of high school and set me up to never be in debt for anything outside of a mortgage.
Going into the trades is a great option, and the limit you can make is up to you. Most people work for someone for a few years then start their own business. I know tons of people in the trades rn making well over 100 grand and with no or next to no student debt. Also the job can never be outsourced, I left a business program to go to trade school and it was the best decision I ever made.
If I have kids I'm saving 10 k for them to go to school or start a business or whatever they want
sidharth chand I support this!!!!
Sid that's a good strategy. Essentially it will be an investment in their future, whatever their future may be.
Start saving bro
I wouldn’t even recommend my kids to go to college.
It depends if you have the money for it. If you do go for it!!! If not then start at a community college then transfer to a local university
I think too many people focus way too much on the earning potential and degrees rather than skills. I feel like at the end of the day every one wants that garuntee of a corporate job and job security. There is so much that goes into this decision and I think people are afraid that they might get stuck at a dead end job.
That’s right, do not tell kids that. Many high school teachers and counselors are not that bright to say something like that!👾🤖
I am 60yrs I have been doing menial jobs all my life , I like education but for some reason I couldn't learn now I turn 59 60 my brains open up , I hated math now math is my best subject , well am 60 and am going to nursing school and my age or nothing is going to stop me.
Dave every time I see your videos I feel like we’re having a one on one and you’re scolding me lol 😂 thanks for your videos they’re very knowledgeable and helpful for me.
Man this hit me I’m just so confused on what do Need a mentor or somebody that has direction
One of the many reasons I hated HS lol. They would try to put in our heads that college is the only route to be successful. News flash, you can make so much money in trades and guess what, they're not in college.
Judge on behavior, not on degrees.
All of his "public college" arguments are based on universities in the south and southwest (see U of Tennessee helmet). Most public universities in the northeast are very very expensive.
I wish Dave would mention that for college to be worth it, you should take advantage of as many of the "free" opportunities that you have as a paying student. Career fairs, mock interviews, resume reviews, organizations that connect you with employers, company visits and tours, literally the list goes on forever.
I'm currently a junior studying Petroleum Engineering. I literally had a kid in my class tell me to my face that it's easier for women to get jobs in the oil industry. I swear I wanted to smack him but I was so shocked I didn't even have anything to say.
Looking back I know he was just hurt that he didn't have any internship offers flying his way (like I did), but I've realized that a lot of people assume that jobs just magically land in my lap. No, they don't. On top of working my a$$ off for good grades, I've attended more professional development and networking events than I can count. I've taken advantage of almost every opportunity so far, and I'm getting ready for my internship with a MAJOR oil company this summer.
On top of everything, I've kept the cost of attending college to less than 12k/y (my school is out of state so that is significantly lower than the 40k that it would be). This is because of all of the scholarships/grants that I apply for with the difference being covered by a combination of money from internships, my parents, and working 13 hours a week as a tutor.
Good luck to anybody wishing to pursue a degree in engineering; it is by far the most difficult thing degree to earn, but come graduation I will (hopefully) be debt free with a high paying job in an exciting field.
Graduating at the end of June with a degree and technical and applied sciences from Ohio University. Private, reasonably priced school. I will carry no debt because I only went part time while working at a good union job full time. Took summer courses in order to get caught. It can be done.
I feel that there SHOULD be college quotas. Only 20%-30% of people should attend college. College should only be for A-B+students w/130 and above IQs. Most people have no business attending college.
So a C student shouldn't go? That's rude
Hi Dave! would you share your opinion on free college?
I am in $200k in debt for studying chinese medicine.
Go to trade school and become an hvac technician and make bank
The first thing you should ask yourself when choosing a degree is “is this something I want to do?” The second thing you should ask yourself is will I make a living out of this degree
Totally agree with you!
Thank You!!!!
ADHD is not just a focus disorder, there's a whole lot more to it than that and isn't curable by just putting your mind to it. It is a life long disability and is on a spectrum. It has the worst social stigma around it.
what happens when you're not interested in business, stem, education, social work...not good with trades either...aahhh I'm so lost
What about medicine? I just wanna help lol
You might have to wait a while, like me. I was thinking like you are for a long time until I found engineering, and that's been my life since
i'll never tell anyone to go to college, these days that's a financial life sentence
Err, interesting choice of example that you can't become ceo of Microsoft, weren't the founders drop outs? Ignoring that I agree with the point that further education works in some circumstances but not all and where it works it's worth it.
This is why I highly disagree with Ramsey, he’s old school which is nothing wrong with that but I think he needs to get more with the times
You can blame this college debt scandal partly on the fact that some of those who are in steep student loan debt have been brainwashed by their parents and peers to go to college when they otherwise feel very uncomfortable in their right mind to do it on account of the risk of getting into a bad debt situation. That is one thing I can jump on Dave Ramsey for. I can really scour these people, who, for brainwashing these kids, the kids find themselves in very unfortunate situations simply because they listened to whoever it was that going to college is a good idea to go to even if it means taking out this horrendous student loan.
Kids, be very careful whom you listen to. I cannot emphasize this enough. The wrong people can lead you into a ditch and I mean a bad one.
College Industrial Complex--CIC
I’d be cautious about college for some kids. First of all, if you’re not performing well in school now, then you’re probably not mature enough to be spending on college. You can take a gap year and work, or go to community college, etc. likewise, I wouldn’t recommend going until you’re ready to explain what the job you want is, why you need college to do it, how you’re going to pay for it, and what you need to learn in school and what experiences you need to stand out to a future employer.
The problem isn’t college, it’s that too many people go blindly having no idea how to use college education or how to build a resume that stands out. They go to go. They don’t know what they’ll do when they graduate. And all of this is exactly as stupid as calling a cab and sitting in it with the meter running while you decide where you’re going and if you needed a cab in the first place.
lucky you Dave, I had to repeat 2nd grade, not fair! you got to pass 2nd grade the first time. I went through it again in 1989, I should have graduated high school in 1999. not 2000.
Engineering was a bad carrer path for me, in quebec, canada. Long hours with no break at the office surrounded by loosers and bosses.
I'm thinking of learning a trade : pension, benefits and higher salary.
I should not have listened to my poor parents who lack of confidence.
What do you think of the Real Estate field as a substitute of going to college. Still lots of learning and tons of opportunity for growth with under 1,000$ to get into it.
Highly volatile
I agree to a degree.
The fact he had to say this to his audience is sad...
Thanks thats the best advance a youth can get I am 32year married with a kid I will go nack to school because it is worth it.
I like the path that I took from the beginning - start your own business, in anything your great at... AND GRINDDDDDD - college is just a place to meet people and network... But to many lies spreading through the public school system these days... not a fan
COLLEGE IS NOT A WASTE OF TIME 📕🏆
Yeah!
College is made to educate you!
I’m 21 and deciding if I should go to community college then transfer after the 2 years or just go get a trade
RealCantDie me too
Depends. Take one of those personality assessments like the Birkmann or research, consult with others plenty of trades that have pay exceeding those of college degrees yet STEM, Business or Health Care college degrees can give major career lift with a salary enabling you to live in the city.
RealCantDie same here man. I’m so lost right now, I’m seriously considering the military.
"Should everyone go to college?" This is an improper question in that it starts too far down the path to be of any logical use. It is begging the question that college is somehow inherently useful.
A more correct question would be to ask if whether or not college is necessary for all paths.
A question more relevant to our times would be whether or not the initial investment is worth the pay out.
Hello, I'm thinking to go straight to the workforce after high school graduation since its really not worth putting over 40 grand for a diploma. I also do not wanna face any debt. I've considered working with trade jobs. Do students still have debt to pay after graduating college regardless of the scholarships they receive? What are your opinions towards this? People that don't go to college, do they still suceed in life? Do college required jobs pay more than non required college jobs?
In my experience it's better to have a degree and not know what you're doing than to know what you're doing without a degree.
It’s a sick society
NO
There's a bachelor's in Library service or something and General Studies.....
College can be worth it if one is wise.
Then who will work retail and be cooks at the restaurants and clean bathrooms and wash cars?
A stay at home mom needs an eighth grade education and a driver's license. The actual tasks do not require more than that. Stay at home moms with advanced degrees not only wasted their own and their family's money, they took up space that someone else would actually have used.
Dave Ramsey is the GOAT, don't @ me
Dont worry about people @ ing you we cant @ anyone on youtube this is not instagram. You opened the wrong app
duh. Im just saying that don't debate it lol. sheesh
The answer is No.
College isn’t a level of seccess it’s a bill, I’m a heat and air guy I make 80,000 a year .ps. I have a degree in criminal justice I paid cash for my college.
Beast
HVAC salary wise beats the criminal justice or any other liberal arts college degree.
Dave looks like Tom Hanks in Captain Phillips.