WEBVTT - Study Hall: TOP COLLEGE HACKS TO SAVE MONEY

0:00:00.400 --> 0:00:03.120
<v Speaker 1>Coach, the energy out there felt different. What changed for

0:00:03.160 --> 0:00:03.800
<v Speaker 1>the team today?

0:00:03.880 --> 0:00:06.000
<v Speaker 2>It was a new game day scratches from the California

0:00:06.080 --> 0:00:07.520
<v Speaker 2>Lottery player is everything.

0:00:07.840 --> 0:00:09.799
<v Speaker 3>Those games sent the team's energy through the roof.

0:00:09.880 --> 0:00:11.880
<v Speaker 1>Are you saying it was the off field play that

0:00:11.920 --> 0:00:13.000
<v Speaker 1>made the difference on the field.

0:00:13.119 --> 0:00:15.840
<v Speaker 4>Hey, little play makes your day, and today it made

0:00:15.880 --> 0:00:16.279
<v Speaker 4>the game.

0:00:16.760 --> 0:00:19.319
<v Speaker 1>That's all for now, Coach, one more question play than

0:00:19.360 --> 0:00:22.119
<v Speaker 1>New Los Angeles Chargers, San Francisco forty nine Ers and

0:00:22.160 --> 0:00:25.440
<v Speaker 1>Los Angeles Rams. Scratchers from the California Lottery. A little

0:00:25.440 --> 0:00:28.480
<v Speaker 1>play can make your day. Peace made responsibily. Must be

0:00:28.480 --> 0:00:30.040
<v Speaker 1>eighteen years or older to purchase late or claim.

0:00:30.120 --> 0:00:31.040
<v Speaker 4>Well, jump right into it.

0:00:31.080 --> 0:00:34.479
<v Speaker 5>So you guys are college professors, right, and you know,

0:00:34.680 --> 0:00:38.640
<v Speaker 5>college is something that is very It's a hot topic

0:00:38.760 --> 0:00:41.240
<v Speaker 5>and it's something that triggers a lot of emotions in people,

0:00:41.320 --> 0:00:43.720
<v Speaker 5>especially nowadays. It's like anytime we put a post on

0:00:43.720 --> 0:00:46.640
<v Speaker 5>Instagram about college, we get a thousand comments and people saying,

0:00:46.640 --> 0:00:48.479
<v Speaker 5>I guess a scam, don't wast your money, and other

0:00:48.520 --> 0:00:52.839
<v Speaker 5>people saying all kinds of stuff. Right, So I'm just

0:00:52.840 --> 0:00:55.160
<v Speaker 5>going to jump right, I'll just jump right into it.

0:00:54.920 --> 0:00:58.880
<v Speaker 5>Is college still necessary to be successful or was it

0:00:59.080 --> 0:01:03.560
<v Speaker 5>really ever necessary? But in today's society, is college still necessary?

0:01:03.600 --> 0:01:04.200
<v Speaker 4>Still needed?

0:01:06.040 --> 0:01:09.120
<v Speaker 6>I mean I think that college, I mean it's not needed,

0:01:09.720 --> 0:01:11.280
<v Speaker 6>it's I mean, it's something that you can do, It's

0:01:11.319 --> 0:01:12.120
<v Speaker 6>something that's possible.

0:01:12.120 --> 0:01:13.560
<v Speaker 7>I think should be an option, right.

0:01:13.560 --> 0:01:15.559
<v Speaker 6>I don't think it should be forced upon that people

0:01:15.600 --> 0:01:18.520
<v Speaker 6>have to go to college. I know, I will say

0:01:18.840 --> 0:01:21.200
<v Speaker 6>there's other ways of being successful and going to certain

0:01:21.240 --> 0:01:23.640
<v Speaker 6>fields that college is not needed as much as it

0:01:23.760 --> 0:01:26.920
<v Speaker 6>was five years ago. But some things you do need,

0:01:27.000 --> 0:01:28.400
<v Speaker 6>like if you want to be a lawyer or a doctor,

0:01:28.480 --> 0:01:30.360
<v Speaker 6>or you're in a stem fields like college can be

0:01:30.480 --> 0:01:33.800
<v Speaker 6>very productive. But then there's some other majors where honestly

0:01:33.840 --> 0:01:35.440
<v Speaker 6>you can you can learn on YouTube, or you can

0:01:35.520 --> 0:01:36.839
<v Speaker 6>learn about reading books, or you can learn.

0:01:36.760 --> 0:01:38.039
<v Speaker 7>About just doing so.

0:01:38.040 --> 0:01:39.720
<v Speaker 6>I don't think it has to be a necessary thing

0:01:39.760 --> 0:01:42.319
<v Speaker 6>to go to college, but I do think it should

0:01:42.360 --> 0:01:43.000
<v Speaker 6>still be an option.

0:01:43.720 --> 0:01:43.959
<v Speaker 4>Yeah.

0:01:44.000 --> 0:01:46.280
<v Speaker 8>I think also one of the biggest things about college

0:01:46.560 --> 0:01:50.200
<v Speaker 8>are the networks and the relationships that are made. So

0:01:50.240 --> 0:01:53.160
<v Speaker 8>it's very far and few in between that you get

0:01:53.200 --> 0:01:56.960
<v Speaker 8>to sit in a room with doctor, a future lawyer,

0:01:57.120 --> 0:02:02.080
<v Speaker 8>a future dentist, a future teacher and have conversations that

0:02:02.160 --> 0:02:04.880
<v Speaker 8>are not about your fields of study, and because we

0:02:04.880 --> 0:02:06.600
<v Speaker 8>all know that once we get into our you know,

0:02:06.640 --> 0:02:07.200
<v Speaker 8>our real.

0:02:07.040 --> 0:02:09.559
<v Speaker 3>Lives after college, it starts.

0:02:09.280 --> 0:02:11.200
<v Speaker 8>To become a little bit closer in the bubble where

0:02:11.200 --> 0:02:13.960
<v Speaker 8>you're just dealing with people who are who have similar interests.

0:02:13.960 --> 0:02:18.040
<v Speaker 8>So college for that particular space, there's not many other

0:02:18.080 --> 0:02:22.160
<v Speaker 8>places that create that type of environment. And academically there

0:02:22.200 --> 0:02:26.080
<v Speaker 8>are some fields that do still need it. But you know,

0:02:26.120 --> 0:02:28.480
<v Speaker 8>I think that these institutions, a lot of them are

0:02:28.520 --> 0:02:32.440
<v Speaker 8>just not created for the benefit of the students. I mean,

0:02:32.480 --> 0:02:34.440
<v Speaker 8>there are a number of colleges and universities that are

0:02:34.440 --> 0:02:35.919
<v Speaker 8>doing that work, but I think there are a lot

0:02:35.960 --> 0:02:38.160
<v Speaker 8>that are scamming people, and I think there are a

0:02:38.240 --> 0:02:40.520
<v Speaker 8>lot that are not doing the work.

0:02:40.840 --> 0:02:44.040
<v Speaker 9>It used to be looked at as a badge into middle.

0:02:43.760 --> 0:02:46.440
<v Speaker 2>Class life, but you had to have that piece of

0:02:46.440 --> 0:02:49.000
<v Speaker 2>paper if you wanted to get a good job, get

0:02:49.040 --> 0:02:51.280
<v Speaker 2>a house. Like that's going away with Like what then

0:02:51.320 --> 0:02:52.840
<v Speaker 2>he was just saying, it's like some things we're just

0:02:52.880 --> 0:02:53.639
<v Speaker 2>going to learn on the fly.

0:02:53.760 --> 0:02:54.839
<v Speaker 9>Like we say this all the time.

0:02:54.880 --> 0:02:57.480
<v Speaker 2>We have no training in broadcasting, but we're doing a

0:02:57.560 --> 0:03:00.040
<v Speaker 2>podcasts right Like we're learning these things as we go

0:03:00.040 --> 0:03:02.120
<v Speaker 2>on I think, like, yes, there.

0:03:01.960 --> 0:03:03.919
<v Speaker 10>Are options that you can do outside of going to.

0:03:03.840 --> 0:03:06.520
<v Speaker 2>School, but if they're on careers like lawyers and doctors,

0:03:06.560 --> 0:03:09.880
<v Speaker 2>like you said, then it's mandatory. Man, I'm a college guy, right,

0:03:09.919 --> 0:03:12.120
<v Speaker 2>Like we had to do it in education, but like

0:03:12.120 --> 0:03:13.600
<v Speaker 2>I said before, like I feel like we could. I

0:03:13.639 --> 0:03:15.520
<v Speaker 2>could have done it out of high school had given

0:03:15.560 --> 0:03:18.680
<v Speaker 2>the proper training rather than seven years of dedication to

0:03:18.720 --> 0:03:19.120
<v Speaker 2>that career.

0:03:19.160 --> 0:03:19.800
<v Speaker 9>You know what I mean, right.

0:03:20.760 --> 0:03:23.520
<v Speaker 5>I think what college does is we live in a

0:03:23.520 --> 0:03:27.600
<v Speaker 5>society where image is very important, right, So what college

0:03:27.639 --> 0:03:30.400
<v Speaker 5>does is that it gives you a badge to say, Okay,

0:03:31.200 --> 0:03:35.240
<v Speaker 5>I have a certain level of success already built in

0:03:35.440 --> 0:03:39.440
<v Speaker 5>because I've completed my degree. So now I can at

0:03:39.480 --> 0:03:41.440
<v Speaker 5>least speak to you on an intelligent level when I

0:03:41.440 --> 0:03:45.160
<v Speaker 5>can be taken seriously, which not is not always the case, right,

0:03:45.200 --> 0:03:47.240
<v Speaker 5>because there's plenty of people that graduated from what Kanye

0:03:47.280 --> 0:03:49.320
<v Speaker 5>speakle what Kanye said, people graduate from college who be

0:03:49.360 --> 0:03:49.840
<v Speaker 5>still stupid.

0:03:50.840 --> 0:03:53.600
<v Speaker 4>That's all the time, every year.

0:03:53.960 --> 0:03:55.520
<v Speaker 5>And then you got some people who never went to

0:03:55.520 --> 0:03:58.240
<v Speaker 5>college who are brilliant or never finished college that are brilliant.

0:03:58.640 --> 0:04:00.720
<v Speaker 5>So my personal opinion, you know, and it is that

0:04:00.800 --> 0:04:03.520
<v Speaker 5>I think that college is beneficial. It can be beneficial

0:04:04.360 --> 0:04:08.119
<v Speaker 5>from the social standpoint, specifically from a social standpoint and

0:04:08.480 --> 0:04:11.680
<v Speaker 5>growing as an adult, right because especially if you go

0:04:11.680 --> 0:04:13.920
<v Speaker 5>away to college, that's probably your first opportunity living on

0:04:13.960 --> 0:04:17.560
<v Speaker 5>your own, and you mature, you develop a certain relationships,

0:04:17.560 --> 0:04:21.279
<v Speaker 5>you meet people. That part you really can't get just

0:04:21.360 --> 0:04:23.760
<v Speaker 5>going out of high school. In the real world, you can,

0:04:23.960 --> 0:04:26.400
<v Speaker 5>but it's a lot more difficult. You're not in an

0:04:26.400 --> 0:04:29.800
<v Speaker 5>incubator where you're just around a thousand people and you

0:04:29.839 --> 0:04:32.120
<v Speaker 5>can just develop those type of relationships. It's not easy

0:04:32.160 --> 0:04:36.320
<v Speaker 5>to do that and just real world life. But I

0:04:36.360 --> 0:04:39.040
<v Speaker 5>feel that a lot of times people are misguided right

0:04:39.080 --> 0:04:40.880
<v Speaker 5>when they go to college. So this is my next question.

0:04:40.920 --> 0:04:42.280
<v Speaker 5>As far as you know, one of the biggest things

0:04:42.279 --> 0:04:46.680
<v Speaker 5>for college for me is majors. Right, So you guys

0:04:46.720 --> 0:04:48.800
<v Speaker 5>are on the inside, and I see I saw that

0:04:48.839 --> 0:04:51.200
<v Speaker 5>even when I was in school. Anybody that doesn't know

0:04:51.279 --> 0:04:53.839
<v Speaker 5>I have a communications degree, I don't have a business degree.

0:04:54.360 --> 0:04:58.120
<v Speaker 5>So but when I went to school, they told me like, look,

0:04:58.200 --> 0:04:58.800
<v Speaker 5>just get a degree.

0:04:58.800 --> 0:04:59.400
<v Speaker 4>It doesn't matter.

0:04:59.600 --> 0:05:01.520
<v Speaker 5>If you're not trying to be a doctor or a

0:05:01.600 --> 0:05:05.040
<v Speaker 5>rocket scientist, it doesn't matter. And it honestly didn't because

0:05:05.080 --> 0:05:07.640
<v Speaker 5>when I graduated, I'm a financial Advisorble when I graduated,

0:05:08.000 --> 0:05:09.600
<v Speaker 5>in order to do what I had to do, I

0:05:09.640 --> 0:05:12.160
<v Speaker 5>had to pass like three different tests, so I had

0:05:12.200 --> 0:05:15.320
<v Speaker 5>to study for like nine months. So it doesn't matter

0:05:15.320 --> 0:05:16.520
<v Speaker 5>if I would have got a business degree or not,

0:05:16.560 --> 0:05:17.920
<v Speaker 5>I still would have had to study. So it's kind

0:05:17.920 --> 0:05:19.159
<v Speaker 5>of like I went to college. After I went to

0:05:19.160 --> 0:05:22.200
<v Speaker 5>college anyway, and now I have my licenses so I

0:05:22.200 --> 0:05:23.440
<v Speaker 5>can do whatever I want to do. So but I

0:05:23.480 --> 0:05:24.800
<v Speaker 5>could have had an art degree. I could have had

0:05:24.800 --> 0:05:28.480
<v Speaker 5>any kind of degree, right, So how important is it

0:05:28.520 --> 0:05:32.880
<v Speaker 5>to pick the right major and how do you determine

0:05:32.920 --> 0:05:33.799
<v Speaker 5>what is the right major?

0:05:34.000 --> 0:05:37.400
<v Speaker 6>So this is for parents and people got in students

0:05:37.760 --> 0:05:39.680
<v Speaker 6>for college. So before I was a professor, I shtued

0:05:39.680 --> 0:05:41.800
<v Speaker 6>to work in a mission. So the most important part

0:05:42.800 --> 0:05:45.520
<v Speaker 6>when talking to parents or talking to students is when

0:05:45.560 --> 0:05:48.479
<v Speaker 6>you're choosing a school, especially when it comes to majors.

0:05:48.480 --> 0:05:51.520
<v Speaker 6>Your major should be a top five major within that school.

0:05:51.520 --> 0:05:53.680
<v Speaker 6>What I mean by that is top five with enrollment

0:05:54.000 --> 0:05:57.840
<v Speaker 6>and also they have placement for companies that deal exactly

0:05:57.839 --> 0:06:00.440
<v Speaker 6>what your major. And if you're not I those like

0:06:00.480 --> 0:06:02.719
<v Speaker 6>top five areas for your major, what can happen honestly

0:06:02.839 --> 0:06:04.440
<v Speaker 6>is you can be two years in at the school

0:06:04.640 --> 0:06:07.120
<v Speaker 6>and if it's not enough students enrolled in that program,

0:06:07.320 --> 0:06:09.680
<v Speaker 6>your program get dropped and now you're still at that college.

0:06:09.839 --> 0:06:12.680
<v Speaker 6>So it's very important as we guide our students telling

0:06:12.640 --> 0:06:14.440
<v Speaker 6>me to go to college, Yeah, that's great, but please

0:06:14.480 --> 0:06:17.120
<v Speaker 6>make sure whatever field you're trying to go into is

0:06:17.200 --> 0:06:20.719
<v Speaker 6>one a popular major within the school. Two has the

0:06:20.920 --> 0:06:24.320
<v Speaker 6>partnerships outside of the school with the different companies. And then, last,

0:06:24.360 --> 0:06:27.240
<v Speaker 6>but not least, is the mentality of knowing where the

0:06:27.560 --> 0:06:29.600
<v Speaker 6>United States or where your country, where you're living at,

0:06:29.720 --> 0:06:31.200
<v Speaker 6>is going to be the next five years as far

0:06:31.200 --> 0:06:33.479
<v Speaker 6>as the job market and careers and what's going to

0:06:33.480 --> 0:06:35.159
<v Speaker 6>be in demand. Not i A would say this my

0:06:35.279 --> 0:06:37.880
<v Speaker 6>mentality of not five minutes from now, start taking five

0:06:37.960 --> 0:06:40.200
<v Speaker 6>years from now right. So when you're making that decision,

0:06:40.320 --> 0:06:43.240
<v Speaker 6>what does a communications degree look like five years from

0:06:43.279 --> 0:06:44.880
<v Speaker 6>now right? What does that feel looks like, look like?

0:06:45.160 --> 0:06:47.440
<v Speaker 6>Is even going to be around photography? Is that's something

0:06:47.480 --> 0:06:49.240
<v Speaker 6>that you really have to go to school for when

0:06:49.240 --> 0:06:51.400
<v Speaker 6>you can potentially learn that, you know? So that's that's

0:06:51.480 --> 0:06:53.280
<v Speaker 6>kind of the key when picking your majors is making

0:06:53.320 --> 0:06:55.720
<v Speaker 6>sure that the school provides the resources but can also

0:06:55.800 --> 0:06:56.720
<v Speaker 6>place you at the job.

0:06:56.960 --> 0:07:00.599
<v Speaker 7>But it also is a demand. Butin the next few years, I.

0:07:00.600 --> 0:07:01.360
<v Speaker 9>Couldn't agree more.

0:07:01.440 --> 0:07:03.200
<v Speaker 2>Man Like a lot of times, especially in our community,

0:07:03.400 --> 0:07:05.520
<v Speaker 2>when our kids think about college, the first thing they

0:07:05.560 --> 0:07:07.560
<v Speaker 2>think about is the athletics, right, Like I want to

0:07:07.600 --> 0:07:09.360
<v Speaker 2>go to do or I want to go in North Carolina.

0:07:09.440 --> 0:07:11.040
<v Speaker 2>I want to go to Yukon, right, And when you

0:07:11.080 --> 0:07:13.400
<v Speaker 2>get there, if you're not there on athletics, it's like, well,

0:07:13.440 --> 0:07:16.240
<v Speaker 2>I want to study communications. Well that's not one of

0:07:16.280 --> 0:07:18.440
<v Speaker 2>those majors that is one of the best things at

0:07:18.480 --> 0:07:21.080
<v Speaker 2>that school, So like you should be looking past just

0:07:21.120 --> 0:07:23.600
<v Speaker 2>like yo, I'm alumni and I go to that school

0:07:23.640 --> 0:07:25.600
<v Speaker 2>for the sports, right if it means it doesn't mean

0:07:25.600 --> 0:07:27.880
<v Speaker 2>as much when you come out of Yukon with the

0:07:28.080 --> 0:07:29.080
<v Speaker 2>communication gree.

0:07:28.960 --> 0:07:30.440
<v Speaker 4>I have a communication degree. You know what I'm saying.

0:07:31.080 --> 0:07:32.320
<v Speaker 3>But I want to go back to what you said.

0:07:33.160 --> 0:07:34.880
<v Speaker 10>I don't go back to what you said because you

0:07:34.920 --> 0:07:35.280
<v Speaker 10>said that.

0:07:35.280 --> 0:07:38.200
<v Speaker 2>It doesn't matter, and in my head, I'm like, yeah,

0:07:38.240 --> 0:07:40.920
<v Speaker 2>it doesn't matter if you're on an athletic scholarship. If

0:07:41.000 --> 0:07:42.640
<v Speaker 2>it matters to a guy like me who was like,

0:07:42.680 --> 0:07:44.920
<v Speaker 2>I'm studying physical therapy and I don't want to be

0:07:44.960 --> 0:07:47.640
<v Speaker 2>a physical therapist, right, and I've paid thirty thousand dollars

0:07:47.640 --> 0:07:50.280
<v Speaker 2>for four years. It's like this matters a lot, right,

0:07:50.320 --> 0:07:51.840
<v Speaker 2>Like now what do I do? Do I have to

0:07:51.880 --> 0:07:54.400
<v Speaker 2>continue going when I don't want to do this? Or

0:07:54.440 --> 0:07:56.440
<v Speaker 2>do I have to figure out what can I do?

0:07:56.600 --> 0:07:58.040
<v Speaker 2>Like that, I kind of fell into that thing. It

0:07:58.120 --> 0:08:00.320
<v Speaker 2>was like the school I was at it was greatus

0:08:00.400 --> 0:08:03.240
<v Speaker 2>physical therapy. I couldn't pass the science classes. I'm like, yo,

0:08:03.400 --> 0:08:05.040
<v Speaker 2>I'm not going to be a physical therapist. I got

0:08:05.080 --> 0:08:07.360
<v Speaker 2>to figure out what I can get and gratefully, I

0:08:07.400 --> 0:08:08.960
<v Speaker 2>was able to go to school with a health.

0:08:08.760 --> 0:08:10.880
<v Speaker 10>Science degree and I was like, all right, well what

0:08:10.920 --> 0:08:11.640
<v Speaker 10>does that even mean?

0:08:11.880 --> 0:08:12.440
<v Speaker 7>You know what I'm saying.

0:08:12.480 --> 0:08:14.800
<v Speaker 9>So I have to start figuring out, like and what's

0:08:14.800 --> 0:08:15.240
<v Speaker 9>gonna happen.

0:08:15.280 --> 0:08:18.440
<v Speaker 6>We talk about this all the time, and Jeff in

0:08:18.480 --> 0:08:21.280
<v Speaker 6>particular use this analogy of you know, and everything else

0:08:21.280 --> 0:08:23.240
<v Speaker 6>you buy something, you challenge to make sure that the

0:08:23.320 --> 0:08:25.800
<v Speaker 6>service that they're providing is correct, right, And I feel

0:08:25.800 --> 0:08:28.280
<v Speaker 6>like people are not challenging some of these schools when

0:08:28.280 --> 0:08:31.000
<v Speaker 6>they're paying all this money. You know you're paying and

0:08:31.120 --> 0:08:33.760
<v Speaker 6>maybe because you're not physically using cash and handing over

0:08:33.800 --> 0:08:34.600
<v Speaker 6>fifty thousand dollars.

0:08:34.600 --> 0:08:36.360
<v Speaker 7>You're not seeing the money, so you maybe don't.

0:08:36.160 --> 0:08:38.079
<v Speaker 6>Care as much as if you're going to a restaurant,

0:08:38.320 --> 0:08:41.320
<v Speaker 6>like you know, Jeff always says about you know, if

0:08:41.360 --> 0:08:43.040
<v Speaker 6>you order steak and they bring out chicken nuggets, are

0:08:43.040 --> 0:08:44.079
<v Speaker 6>you gonna eat chicken nuggets?

0:08:44.160 --> 0:08:45.640
<v Speaker 7>Or you're going to say, I ordered steak.

0:08:46.120 --> 0:08:48.840
<v Speaker 6>And many times students are paying all this money for

0:08:48.880 --> 0:08:51.440
<v Speaker 6>a school and then not providing the services that they're promised,

0:08:51.600 --> 0:08:55.280
<v Speaker 6>and they're not challenging the school right or asking questions before.

0:08:55.320 --> 0:08:57.320
<v Speaker 6>And I don't know, maybe it's because again you're not

0:08:57.440 --> 0:08:59.680
<v Speaker 6>physically handing that money over and you think, I go,

0:08:59.720 --> 0:09:01.320
<v Speaker 6>I'll just get a job and I paid off later.

0:09:01.360 --> 0:09:03.160
<v Speaker 6>But I think it should really treat it like everything

0:09:03.160 --> 0:09:03.880
<v Speaker 6>else you purchase them.

0:09:03.960 --> 0:09:06.480
<v Speaker 2>That's a problem especially in our community, man, like we

0:09:06.520 --> 0:09:08.720
<v Speaker 2>don't know how to advocate for the things we want.

0:09:09.160 --> 0:09:10.760
<v Speaker 2>Like I've seen it over and over with parents not

0:09:10.800 --> 0:09:12.280
<v Speaker 2>being able to advocate for the kids. But then the

0:09:12.320 --> 0:09:13.920
<v Speaker 2>kids grow up and they don't how to advocate. So

0:09:14.160 --> 0:09:15.800
<v Speaker 2>if they all being mistreated at school and the things

0:09:15.840 --> 0:09:16.920
<v Speaker 2>that not being avided, it's.

0:09:16.840 --> 0:09:20.720
<v Speaker 5>Like who do I how do you challenge the system?

0:09:20.720 --> 0:09:23.000
<v Speaker 5>Because I mean, that's like going up against that.

0:09:24.800 --> 0:09:25.640
<v Speaker 4>System. How do you challenge?

0:09:25.720 --> 0:09:27.320
<v Speaker 7>So I don't want to even say like challenge the system.

0:09:27.320 --> 0:09:27.959
<v Speaker 7>It's simple things.

0:09:27.960 --> 0:09:29.600
<v Speaker 6>So, if there's like a college fair at your school,

0:09:29.640 --> 0:09:31.599
<v Speaker 6>like every school, typically at high school, they bring in

0:09:31.640 --> 0:09:35.440
<v Speaker 6>college representatives, you know, instead of asking questions, like students

0:09:35.760 --> 0:09:37.800
<v Speaker 6>get these questions from guidance counselors and some people. I

0:09:37.840 --> 0:09:40.120
<v Speaker 6>don't know where they get these questions from, like what's

0:09:40.160 --> 0:09:42.960
<v Speaker 6>the percentage of student success at your school? Like that's

0:09:42.960 --> 0:09:44.640
<v Speaker 6>not the question should be asking you. She'd be asking

0:09:44.880 --> 0:09:46.440
<v Speaker 6>you know, look, I want to be an engineer. How

0:09:46.440 --> 0:09:49.080
<v Speaker 6>can you how can this school help me become an engineer?

0:09:49.160 --> 0:09:51.960
<v Speaker 6>How can this school help me become a bio mechanical engineer?

0:09:52.000 --> 0:09:52.400
<v Speaker 7>Like whatever?

0:09:52.400 --> 0:09:54.920
<v Speaker 6>How does how? What are the tools at your school

0:09:54.920 --> 0:09:56.920
<v Speaker 6>to get me there? But also is this major a

0:09:56.960 --> 0:09:58.320
<v Speaker 6>popular major at your school?

0:09:58.520 --> 0:09:59.199
<v Speaker 7>Can I talk to.

0:09:59.160 --> 0:10:02.040
<v Speaker 6>Somebody at the the institution, the career center and find

0:10:02.080 --> 0:10:04.320
<v Speaker 6>out how many people you placed at a job in

0:10:04.360 --> 0:10:06.280
<v Speaker 6>the last three to four years at some point? You know,

0:10:06.320 --> 0:10:08.280
<v Speaker 6>like those type of questions need to be asked, and

0:10:09.080 --> 0:10:12.720
<v Speaker 6>unfortunately we don't. We don't provide those resources, them tools enough,

0:10:13.280 --> 0:10:14.920
<v Speaker 6>And that's why we create the platform that we create.

0:10:14.960 --> 0:10:16.280
<v Speaker 6>That's part of the things that we deal with to

0:10:16.320 --> 0:10:18.960
<v Speaker 6>let students know, like you do have a voice number

0:10:19.000 --> 0:10:21.920
<v Speaker 6>one and number two to ask those type of questions

0:10:21.960 --> 0:10:23.960
<v Speaker 6>before spending all of this money.

0:10:23.720 --> 0:10:25.440
<v Speaker 4>Jef, I wanted to ask you a question. We spoke

0:10:25.520 --> 0:10:27.320
<v Speaker 4>of CAM about the hitting curriculum.

0:10:27.640 --> 0:10:30.000
<v Speaker 8>Yeah, so the idea, so it kind of goes into

0:10:31.160 --> 0:10:34.440
<v Speaker 8>the aspect that the students don't know who to ask,

0:10:34.679 --> 0:10:37.240
<v Speaker 8>so that there is that problem. I don't know where

0:10:37.320 --> 0:10:41.720
<v Speaker 8>to go, and the institutions are not doing the job properly.

0:10:41.840 --> 0:10:43.880
<v Speaker 8>A lot of institutions are not doing the job properly

0:10:43.920 --> 0:10:47.800
<v Speaker 8>and creating a space for students to understand things like

0:10:48.280 --> 0:10:50.760
<v Speaker 8>acronyms that students don't know. So I don't know what

0:10:50.880 --> 0:10:53.640
<v Speaker 8>FASSO might stand for, and that's talking about financial aid.

0:10:53.679 --> 0:10:55.640
<v Speaker 8>If you don't know what that means, then you're out

0:10:55.679 --> 0:10:58.319
<v Speaker 8>of luck. If you don't know what the bursar office means,

0:10:58.320 --> 0:11:00.320
<v Speaker 8>and these are the things that are just directly dealing

0:11:00.400 --> 0:11:03.480
<v Speaker 8>with your money sounds so you.

0:11:03.400 --> 0:11:04.439
<v Speaker 3>Don't know what these things are.

0:11:04.559 --> 0:11:07.640
<v Speaker 8>So I think it's just essential for and this is

0:11:07.679 --> 0:11:09.760
<v Speaker 8>where I think the big problem is is that there

0:11:09.760 --> 0:11:13.000
<v Speaker 8>are institutions that are about creating careers.

0:11:12.520 --> 0:11:14.559
<v Speaker 3>For people who want to be educators.

0:11:14.559 --> 0:11:16.880
<v Speaker 8>So they want to go up the ladder and become

0:11:16.960 --> 0:11:21.200
<v Speaker 8>vice presidents and become deans and become provosts and presidents

0:11:21.200 --> 0:11:23.560
<v Speaker 8>of institutions without caring about the students. So then they

0:11:23.600 --> 0:11:26.080
<v Speaker 8>create these platforms and they create these spaces where the

0:11:26.080 --> 0:11:27.440
<v Speaker 8>students cannot succeed.

0:11:27.720 --> 0:11:29.560
<v Speaker 3>So I'm not going to sugarcoat it.

0:11:29.559 --> 0:11:32.440
<v Speaker 8>There are academic institutions that are out there primarily just

0:11:32.440 --> 0:11:35.080
<v Speaker 8>to build careers and primarily just to make money. The

0:11:35.120 --> 0:11:38.160
<v Speaker 8>proper institutions that are doing the work are the ones

0:11:38.200 --> 0:11:39.760
<v Speaker 8>that say we are going to make sure that you

0:11:39.880 --> 0:11:43.559
<v Speaker 8>know who to speak to. And with the hidden curriculums,

0:11:43.559 --> 0:11:45.480
<v Speaker 8>that just means that there are things that are being

0:11:45.559 --> 0:11:49.040
<v Speaker 8>hidden in regular nomenclature. So it's saying we know what

0:11:49.120 --> 0:11:51.360
<v Speaker 8>it is, but a seventeen year old does not know

0:11:51.400 --> 0:11:53.320
<v Speaker 8>what that is, and we expect them to know what

0:11:53.360 --> 0:11:56.360
<v Speaker 8>it is then succeed in that space and then excel

0:11:56.480 --> 0:11:58.440
<v Speaker 8>beyond that, and then by the time they hit to

0:11:58.520 --> 0:12:00.640
<v Speaker 8>year two or three, we see the retention level drops

0:12:00.640 --> 0:12:03.920
<v Speaker 8>because the student doesn't know what the term retention even means.

0:12:03.960 --> 0:12:05.880
<v Speaker 8>So we're saying we want to keep you here, but

0:12:05.960 --> 0:12:08.280
<v Speaker 8>are we even doing the work that needs to be done.

0:12:08.400 --> 0:12:10.839
<v Speaker 8>So ultimately, at the end of the day, that's where

0:12:10.880 --> 0:12:12.920
<v Speaker 8>we have to start to do more work, is saying

0:12:13.320 --> 0:12:15.600
<v Speaker 8>what are the students getting and who do they need

0:12:15.640 --> 0:12:17.640
<v Speaker 8>to speak to? So to really touch on the comments

0:12:17.679 --> 0:12:19.360
<v Speaker 8>that we were just saying. One of the things that

0:12:19.360 --> 0:12:21.080
<v Speaker 8>I can tell all people who are sending any of

0:12:21.080 --> 0:12:24.000
<v Speaker 8>their students to college or are going back to school themselves,

0:12:24.240 --> 0:12:27.040
<v Speaker 8>is that you have to really find particular individuals on

0:12:27.080 --> 0:12:30.280
<v Speaker 8>your campus. I can't stress the I can't stress it

0:12:30.400 --> 0:12:32.120
<v Speaker 8>enough that you have to get involved. So I means

0:12:32.160 --> 0:12:34.600
<v Speaker 8>you have to find somebody who's already doing the work

0:12:34.720 --> 0:12:37.000
<v Speaker 8>and make sure you align yourself with that. Find the

0:12:37.080 --> 0:12:39.760
<v Speaker 8>Jeff or the Lenny on your campus and sit in

0:12:39.800 --> 0:12:42.720
<v Speaker 8>their office introduce yourselves. Because what ends up happening is

0:12:42.720 --> 0:12:44.200
<v Speaker 8>I'm the one that's going to put you in touch

0:12:44.240 --> 0:12:47.200
<v Speaker 8>with this person, that person, this individual to help you

0:12:47.240 --> 0:12:50.160
<v Speaker 8>succeed because doing it by yourself is literally impossible.

0:12:50.200 --> 0:12:52.079
<v Speaker 5>Now we was talking off camera too, and it's difficult

0:12:52.080 --> 0:12:55.079
<v Speaker 5>because I think my experience is a little JD because

0:12:55.240 --> 0:12:57.840
<v Speaker 5>I was I played basketball, so when I went to school,

0:12:58.640 --> 0:13:02.199
<v Speaker 5>I was on athletic scholarship, so anybody's not familiar athletes,

0:13:02.320 --> 0:13:04.840
<v Speaker 5>it's different, especially at a Division one school. So when

0:13:04.880 --> 0:13:08.320
<v Speaker 5>I got to campus, you know, we had our own

0:13:08.360 --> 0:13:10.880
<v Speaker 5>study hall just for the athletes. We had our own

0:13:11.440 --> 0:13:14.959
<v Speaker 5>advisor just for the athletes. Our books was free, and

0:13:15.520 --> 0:13:17.360
<v Speaker 5>you know, they would stay on us like make sure,

0:13:17.480 --> 0:13:19.520
<v Speaker 5>like what are you're doing? Like you just going to class?

0:13:19.559 --> 0:13:21.920
<v Speaker 4>You know what I mean. It's like, so it's easier

0:13:21.960 --> 0:13:23.080
<v Speaker 4>because it's more structured.

0:13:23.480 --> 0:13:26.560
<v Speaker 5>But for somebody that's just going to college on their own,

0:13:26.880 --> 0:13:29.120
<v Speaker 5>and especially if you're if you know, your parents didn't

0:13:29.160 --> 0:13:31.679
<v Speaker 5>go to college, but you don't your first generation, it's

0:13:31.720 --> 0:13:34.080
<v Speaker 5>a lot that goes into college that's different from high school.

0:13:34.120 --> 0:13:36.760
<v Speaker 5>Like I remember the vali valedictorian of my school a

0:13:36.760 --> 0:13:38.960
<v Speaker 5>couple of years ago that my high school that I

0:13:38.960 --> 0:13:40.640
<v Speaker 5>went to. He's a lot younger than me, obviously, and

0:13:40.760 --> 0:13:43.360
<v Speaker 5>I spoke to him. He's in Harvard, and I was

0:13:43.400 --> 0:13:45.120
<v Speaker 5>asking him, like, how you doing at Harvard, And he's like,

0:13:45.160 --> 0:13:47.840
<v Speaker 5>you know, I wasn't prepared. This is the valedictorian of

0:13:47.880 --> 0:13:50.280
<v Speaker 5>the school. He's a smart kid, obviously, but he's like

0:13:50.400 --> 0:13:52.959
<v Speaker 5>high school was just so easy for me, and I'm

0:13:53.000 --> 0:13:55.160
<v Speaker 5>in Harvard and it's just way different. And he was like,

0:13:55.200 --> 0:13:58.840
<v Speaker 5>you know, I never realized how much I wasn't prepared

0:13:58.920 --> 0:14:01.679
<v Speaker 5>until I was in that position. And I think that

0:14:01.679 --> 0:14:03.000
<v Speaker 5>that happens all the time. And like you say, a

0:14:03.040 --> 0:14:05.600
<v Speaker 5>lot of times unfortunately, especially you know, you might have

0:14:05.720 --> 0:14:08.360
<v Speaker 5>family issues, whatever, the kids just drop out because you know,

0:14:08.440 --> 0:14:12.000
<v Speaker 5>you fall behind a couple of semesters and let alone,

0:14:12.240 --> 0:14:15.600
<v Speaker 5>not even talking about financial issues, just social issues and

0:14:15.679 --> 0:14:19.280
<v Speaker 5>just dealing with school and structuring your time. It's like,

0:14:19.680 --> 0:14:23.400
<v Speaker 5>how can somebody fully equip themselves for making that jump

0:14:23.440 --> 0:14:24.640
<v Speaker 5>from high school to college?

0:14:24.760 --> 0:14:27.960
<v Speaker 8>First you sign up with Trill or not Trill, but uh,

0:14:28.400 --> 0:14:31.360
<v Speaker 8>you know, to fully equip yourself, it takes a lot.

0:14:31.560 --> 0:14:34.080
<v Speaker 8>And this is where we have to really invest. We

0:14:34.120 --> 0:14:36.160
<v Speaker 8>were just talking about that off camera too, about how

0:14:36.240 --> 0:14:38.440
<v Speaker 8>much money you place on a college.

0:14:38.080 --> 0:14:40.120
<v Speaker 3>Degree, whether you're going there for free or you're paying

0:14:40.160 --> 0:14:40.720
<v Speaker 3>full tuition.

0:14:41.040 --> 0:14:44.000
<v Speaker 8>There's no I mean, outside of a house, there's no

0:14:44.280 --> 0:14:47.560
<v Speaker 8>larger investment that you're really making probably throughout your life.

0:14:47.920 --> 0:14:49.920
<v Speaker 8>And in the same way that you invest in the house,

0:14:50.040 --> 0:14:52.560
<v Speaker 8>you're searching for multiple houses. But then even before that,

0:14:52.600 --> 0:14:54.880
<v Speaker 8>you want to know how is the house, How you

0:14:54.880 --> 0:14:55.840
<v Speaker 8>know how is it built?

0:14:55.920 --> 0:14:57.480
<v Speaker 3>What was? What do I have to do to fix

0:14:57.520 --> 0:14:58.000
<v Speaker 3>this space?

0:14:58.160 --> 0:14:59.600
<v Speaker 8>What do I have to do to make sure that

0:14:59.640 --> 0:15:01.600
<v Speaker 8>my family, if I want to start a family, goes

0:15:01.640 --> 0:15:03.600
<v Speaker 8>in here. It can't just be let me just show up,

0:15:03.640 --> 0:15:04.720
<v Speaker 8>pull up and figure out.

0:15:04.600 --> 0:15:05.800
<v Speaker 3>The rest investment?

0:15:05.960 --> 0:15:06.240
<v Speaker 10>Right?

0:15:06.400 --> 0:15:08.680
<v Speaker 8>And so what what the what people have to do

0:15:08.800 --> 0:15:11.280
<v Speaker 8>is is really start to invest in the child and

0:15:11.360 --> 0:15:14.000
<v Speaker 8>the student's education before they even get in there and

0:15:14.040 --> 0:15:17.120
<v Speaker 8>find the programs. Because colleges and universities some of them

0:15:17.120 --> 0:15:18.640
<v Speaker 8>will do it, but a lot of them will not,

0:15:18.760 --> 0:15:20.280
<v Speaker 8>and say, listen, we're going to give you a two

0:15:20.360 --> 0:15:23.520
<v Speaker 8>day orientation session to figure out how to succeed in college.

0:15:24.040 --> 0:15:27.120
<v Speaker 8>And you know you and they're trying to holler at

0:15:27.160 --> 0:15:29.800
<v Speaker 8>other people you and they're trying to have fun, you know,

0:15:29.840 --> 0:15:31.000
<v Speaker 8>because they're also doing that too.

0:15:31.320 --> 0:15:34.560
<v Speaker 3>There's a DJ at that thing directors there.

0:15:35.000 --> 0:15:36.640
<v Speaker 8>You're sitting here thinking like, man, I don't even know

0:15:36.680 --> 0:15:39.920
<v Speaker 8>what registraw is. And I remember, like as a college student,

0:15:40.080 --> 0:15:41.720
<v Speaker 8>I was like, is it register And they're like, no,

0:15:41.800 --> 0:15:43.160
<v Speaker 8>it's registrar.

0:15:42.720 --> 0:15:44.560
<v Speaker 3>And I'm like, why what does that even mean?

0:15:45.520 --> 0:15:45.960
<v Speaker 9>For class?

0:15:46.000 --> 0:15:47.640
<v Speaker 3>Correct when you're registering for class?

0:15:47.680 --> 0:15:51.160
<v Speaker 8>So there are these simple little things that that students

0:15:51.200 --> 0:15:53.560
<v Speaker 8>aren't prepared for and so for me, I just think

0:15:53.560 --> 0:15:55.560
<v Speaker 8>that you have to invest in the same way that

0:15:55.560 --> 0:15:57.000
<v Speaker 8>you would invest in a house, the same way that

0:15:57.000 --> 0:15:59.840
<v Speaker 8>you wouldn't buy a car without making every possible detail

0:16:00.120 --> 0:16:00.440
<v Speaker 8>for it.

0:16:00.640 --> 0:16:01.560
<v Speaker 3>You have to do the same thing.

0:16:01.600 --> 0:16:04.120
<v Speaker 6>And I think the key is invest past financials because

0:16:04.120 --> 0:16:06.160
<v Speaker 6>a lot of people always talk about college and investing,

0:16:06.320 --> 0:16:08.560
<v Speaker 6>and it's only the financial piece when we're saying about

0:16:08.560 --> 0:16:11.560
<v Speaker 6>the investment, saying due to research as well and understand

0:16:12.160 --> 0:16:15.000
<v Speaker 6>where college is going, what colleges are doing at different degrees,

0:16:15.960 --> 0:16:17.800
<v Speaker 6>because it can be really beneficial for you.

0:16:17.920 --> 0:16:19.800
<v Speaker 5>And it's also a very important I think what Jeff

0:16:19.800 --> 0:16:22.600
<v Speaker 5>said as far as to find people on campus that

0:16:23.040 --> 0:16:25.720
<v Speaker 5>know the deal and because that helped me out a lot,

0:16:25.760 --> 0:16:28.240
<v Speaker 5>as far as like when I first got there, I

0:16:28.240 --> 0:16:30.760
<v Speaker 5>had somebody chott my mansion real he's from Lebron.

0:16:32.080 --> 0:16:34.320
<v Speaker 2>This episode is brought to you by P and C Bank.

0:16:34.720 --> 0:16:37.520
<v Speaker 2>A lot of people think podcasts about work are boring,

0:16:37.720 --> 0:16:41.560
<v Speaker 2>and sure they definitely can be, but understanding a professionals

0:16:41.640 --> 0:16:44.880
<v Speaker 2>routine shows us how they achieve their success little by little,

0:16:45.280 --> 0:16:48.920
<v Speaker 2>day after day. It's like banking with P and C Bank.

0:16:49.400 --> 0:16:52.200
<v Speaker 2>It might seem boring to safe plan and make calculated

0:16:52.200 --> 0:16:55.320
<v Speaker 2>decisions with your bank, But keeping your money boring is

0:16:55.360 --> 0:16:58.680
<v Speaker 2>what helps you live or more happily fulfilled life. P

0:16:58.800 --> 0:17:03.960
<v Speaker 2>and C Bankly Boring since eighteen sixty five. Brilliantly Boring

0:17:04.000 --> 0:17:06.439
<v Speaker 2>since eighteen sixty five is a service mark of the

0:17:06.480 --> 0:17:10.400
<v Speaker 2>PNC Financial Service Group, Inc. P and C Bank National

0:17:10.400 --> 0:17:12.720
<v Speaker 2>Association member FDIC.

0:17:15.320 --> 0:17:15.600
<v Speaker 7>Erners.

0:17:15.600 --> 0:17:16.000
<v Speaker 9>What's up?

0:17:16.080 --> 0:17:18.520
<v Speaker 2>You ever walk into a small business and everything just

0:17:18.680 --> 0:17:21.880
<v Speaker 2>works like The checkout is fast, the receipts are digital,

0:17:22.400 --> 0:17:25.359
<v Speaker 2>tipping is a breeze, and you're out the door before

0:17:25.400 --> 0:17:29.560
<v Speaker 2>the line even builds Odds are they're using Square. We

0:17:29.680 --> 0:17:32.240
<v Speaker 2>love supporting businesses that run on Square because it just

0:17:32.280 --> 0:17:35.520
<v Speaker 2>feels seamless. Whether it's a local coffee shop, a vendor

0:17:35.560 --> 0:17:37.800
<v Speaker 2>at a pop up market, or even one of our

0:17:37.880 --> 0:17:41.520
<v Speaker 2>merch partners. Square makes it easy for them to take payments,

0:17:41.760 --> 0:17:45.480
<v Speaker 2>manage inventory, and run their business with confidence, all from

0:17:45.560 --> 0:17:48.960
<v Speaker 2>one simple system. If you're a business owner or even

0:17:49.080 --> 0:17:52.600
<v Speaker 2>just thinking about launching something soon, Square is hands down

0:17:52.600 --> 0:17:54.959
<v Speaker 2>one of the best tools out there to help you start,

0:17:55.320 --> 0:17:58.920
<v Speaker 2>run and grow. It's not just about payments, it's about

0:17:58.920 --> 0:18:01.359
<v Speaker 2>giving you time back so you can focus on.

0:18:01.280 --> 0:18:02.720
<v Speaker 9>What matters most ready.

0:18:02.760 --> 0:18:06.119
<v Speaker 2>To see how Square can transform your business, visit Square

0:18:06.200 --> 0:18:10.880
<v Speaker 2>dot com backslash go backslash eyl to learn more. That's

0:18:10.920 --> 0:18:16.360
<v Speaker 2>Square dot com backslash, go backslash eyl. Don't wait, don't hesitate.

0:18:16.480 --> 0:18:18.880
<v Speaker 2>Let's Square handle the back end so you can keep

0:18:18.880 --> 0:18:20.119
<v Speaker 2>pushing your vision forward.

0:18:24.200 --> 0:18:27.679
<v Speaker 11>Lows knows that free makes everything better. That's why our

0:18:27.720 --> 0:18:30.640
<v Speaker 11>rewards members get free standard shipping on the things they

0:18:30.720 --> 0:18:34.400
<v Speaker 11>need and want starting at silver key status. Every day

0:18:34.840 --> 0:18:38.080
<v Speaker 11>savings for rewards members add up fast, So why wait?

0:18:38.480 --> 0:18:43.159
<v Speaker 11>Join for free today? Lows we have you say. Not

0:18:43.240 --> 0:18:46.320
<v Speaker 11>available in Alaska, Hawaii. Exclusions and more. Terms apply. Loyalty

0:18:46.359 --> 0:18:49.040
<v Speaker 11>program subject to terms and conditions. Details at Lows dot com.

0:18:49.080 --> 0:18:50.960
<v Speaker 11>Slash Shipping terms subject to change.

0:18:52.560 --> 0:18:54.440
<v Speaker 5>And he was a junior when I was a freshman.

0:18:54.640 --> 0:18:56.840
<v Speaker 5>He was on the team and he was seasoned. He

0:18:56.880 --> 0:18:58.679
<v Speaker 5>was there for two years. So he kind of explained

0:18:58.720 --> 0:19:01.399
<v Speaker 5>to me, like take this class, don't do this and

0:19:01.680 --> 0:19:04.080
<v Speaker 5>have this many credits, and like this professor is cool,

0:19:04.320 --> 0:19:07.400
<v Speaker 5>and he kind of walked me through it, and from

0:19:07.440 --> 0:19:10.280
<v Speaker 5>there I was able to have a smooth transition. But

0:19:10.400 --> 0:19:12.640
<v Speaker 5>I think it's important to have that mentor. I don't

0:19:12.680 --> 0:19:13.760
<v Speaker 5>know if schools have.

0:19:13.760 --> 0:19:16.680
<v Speaker 6>Program they do, and then the other thing before you

0:19:16.680 --> 0:19:18.680
<v Speaker 6>even talk about what you want. The mentors just don't

0:19:18.680 --> 0:19:21.040
<v Speaker 6>get too caught up on titles as well. Right, looking

0:19:21.040 --> 0:19:23.199
<v Speaker 6>for somebody with a leadership title to be a mentor.

0:19:23.320 --> 0:19:26.080
<v Speaker 6>There's just people on campus that literally run a campus

0:19:26.080 --> 0:19:27.280
<v Speaker 6>but don't have any fancy title.

0:19:27.720 --> 0:19:30.280
<v Speaker 9>A person that works in a book store right right, everybody.

0:19:30.000 --> 0:19:31.679
<v Speaker 8>And they've been there for twenty years, so they know

0:19:31.760 --> 0:19:34.560
<v Speaker 8>exactly what books to get, they know exactly where to go.

0:19:34.720 --> 0:19:37.879
<v Speaker 8>There's the person who's cleaning up the student union building.

0:19:37.920 --> 0:19:39.560
<v Speaker 8>They or know, hey, listen, you know you need to

0:19:39.600 --> 0:19:41.159
<v Speaker 8>join this club, or hey, you know you need to

0:19:41.200 --> 0:19:44.240
<v Speaker 8>talk to Jeff because Jeff knows who everybody is. And

0:19:44.320 --> 0:19:46.000
<v Speaker 8>so that's where, you know, we always talk about the

0:19:46.000 --> 0:19:49.560
<v Speaker 8>difference of what a mentor means. So we tell people,

0:19:49.680 --> 0:19:51.760
<v Speaker 8>number one, you need a digital mentor, and the digital

0:19:51.760 --> 0:19:54.320
<v Speaker 8>mentor is somebody that is online, that has an online

0:19:54.359 --> 0:19:57.760
<v Speaker 8>presence at that institution or otherwise that you know you

0:19:57.800 --> 0:19:58.200
<v Speaker 8>can just.

0:19:58.200 --> 0:19:59.160
<v Speaker 3>Watch what they're doing.

0:19:59.200 --> 0:20:01.600
<v Speaker 8>And that might just mean I'm watching somebody's Instagram feed

0:20:01.640 --> 0:20:03.640
<v Speaker 8>or Twitter feed and saying, all right, you know what

0:20:03.680 --> 0:20:05.800
<v Speaker 8>I need to just know because this person is providing

0:20:05.800 --> 0:20:08.600
<v Speaker 8>a wealth of information. There's a generational mentor, So that

0:20:08.600 --> 0:20:10.560
<v Speaker 8>means you also need to know somebody who is from

0:20:10.600 --> 0:20:13.600
<v Speaker 8>a different generation than you are, younger and older, who

0:20:13.680 --> 0:20:16.560
<v Speaker 8>have different mindsets and different viewpoints that you can say,

0:20:16.600 --> 0:20:18.800
<v Speaker 8>all right, this is the generational mentor that's older than

0:20:18.840 --> 0:20:20.800
<v Speaker 8>I am, that's going to be providing me the traditional

0:20:20.800 --> 0:20:21.720
<v Speaker 8>sense of leadership.

0:20:21.800 --> 0:20:23.520
<v Speaker 3>But then here's this person that's also maybe a little

0:20:23.560 --> 0:20:24.320
<v Speaker 3>bit younger than I am.

0:20:24.320 --> 0:20:26.400
<v Speaker 8>That I can give them information and then they give

0:20:26.480 --> 0:20:27.920
<v Speaker 8>me back some information.

0:20:28.200 --> 0:20:30.520
<v Speaker 6>And then like your boy that you said at your school,

0:20:30.520 --> 0:20:32.879
<v Speaker 6>be what we call peer mentor, right right, somebody that's

0:20:33.200 --> 0:20:35.440
<v Speaker 6>in that same age range, same age bracket doing this

0:20:35.560 --> 0:20:37.520
<v Speaker 6>you know the same things that you're doing, and that's

0:20:37.520 --> 0:20:39.639
<v Speaker 6>a fellow peer of yours that can really help you

0:20:39.640 --> 0:20:40.280
<v Speaker 6>out important.

0:20:40.400 --> 0:20:42.000
<v Speaker 4>Yeah for sure. All right. So now we're going to

0:20:42.040 --> 0:20:42.720
<v Speaker 4>go into the next seven.

0:20:42.760 --> 0:20:44.359
<v Speaker 5>We're going to talk about the financials and we're also

0:20:44.359 --> 0:20:45.960
<v Speaker 5>going to talk about chill natural.

0:20:45.760 --> 0:20:50.160
<v Speaker 4>So yeah, yes, I love that environment. All right.

0:20:50.200 --> 0:20:52.520
<v Speaker 5>So now we're going to talk about the number one

0:20:52.560 --> 0:20:55.200
<v Speaker 5>thing when it comes to school is how to pay

0:20:55.240 --> 0:20:55.439
<v Speaker 5>for it?

0:20:55.520 --> 0:20:57.120
<v Speaker 4>Right, money, money, As.

0:20:57.040 --> 0:20:59.959
<v Speaker 2>We said, man, it's the biggest financial decision that they

0:21:00.080 --> 0:21:02.919
<v Speaker 2>gonna make, and they have, especially high school sudents, they

0:21:02.920 --> 0:21:05.240
<v Speaker 2>got about three years and that's you're making that.

0:21:05.160 --> 0:21:06.000
<v Speaker 9>Decision at a team.

0:21:06.080 --> 0:21:08.160
<v Speaker 10>Like a lot of people won't get approved to get

0:21:08.160 --> 0:21:09.040
<v Speaker 10>a loan for a house.

0:21:09.080 --> 0:21:09.840
<v Speaker 9>They probably won't.

0:21:09.840 --> 0:21:11.399
<v Speaker 2>They may not get approved to get a loan for

0:21:11.440 --> 0:21:13.240
<v Speaker 2>a car, but they will get approved.

0:21:13.920 --> 0:21:16.160
<v Speaker 5>Student loan is real and something like I said once again,

0:21:17.280 --> 0:21:18.960
<v Speaker 5>I was fortunate not to have to a loan because

0:21:18.960 --> 0:21:20.640
<v Speaker 5>I had a scholarship. But I have brothers and sister

0:21:20.720 --> 0:21:22.480
<v Speaker 5>and they both have to I think they both still

0:21:22.480 --> 0:21:27.240
<v Speaker 5>paying on this. They're both older than me. But student

0:21:27.240 --> 0:21:29.600
<v Speaker 5>loans is real. Financial aid is definitely real. All that

0:21:29.720 --> 0:21:30.040
<v Speaker 5>is real.

0:21:30.160 --> 0:21:32.119
<v Speaker 2>So and you can't escape it. No, no, no filing

0:21:32.119 --> 0:21:33.240
<v Speaker 2>for bangrucy on doingent loan.

0:21:33.480 --> 0:21:44.040
<v Speaker 5>Oh they're gonna want their money, thank you, so so.

0:21:44.080 --> 0:21:47.120
<v Speaker 5>But like, what's what's What's some hacks that parents because

0:21:47.119 --> 0:21:49.240
<v Speaker 5>a lot of parents listen to our podcasts and you know,

0:21:49.359 --> 0:21:51.320
<v Speaker 5>might have children in college or children getting ready to

0:21:51.359 --> 0:21:54.160
<v Speaker 5>go to college. What some hacks that and even children

0:21:54.520 --> 0:21:58.920
<v Speaker 5>or young adults can use to minimize the cost of college.

0:21:59.600 --> 0:22:02.040
<v Speaker 6>One of the big hacks for high school students is

0:22:02.080 --> 0:22:05.719
<v Speaker 6>taking college courses while you're in high school. Now, some

0:22:05.800 --> 0:22:09.000
<v Speaker 6>high schools and some districts provide that, and they're called

0:22:09.000 --> 0:22:13.240
<v Speaker 6>like articulation agreements, another fancy words, another fancy hire edward,

0:22:13.760 --> 0:22:17.440
<v Speaker 6>but they're call articulation or dual agreements or partnerships where

0:22:17.480 --> 0:22:19.800
<v Speaker 6>a lot of community colleges now and some four year

0:22:19.840 --> 0:22:23.119
<v Speaker 6>schools are trying to build upon their enrollment. So what

0:22:23.119 --> 0:22:25.280
<v Speaker 6>they're doing is they're allowing high school students to start

0:22:25.280 --> 0:22:28.320
<v Speaker 6>taking classes at a lower rate or for free. So

0:22:28.359 --> 0:22:31.159
<v Speaker 6>that's something where you look at in your area, your region,

0:22:31.200 --> 0:22:34.679
<v Speaker 6>your district, especially within the community colleges, your kids can

0:22:34.840 --> 0:22:37.639
<v Speaker 6>take some of those level one hundred courses at a

0:22:37.640 --> 0:22:38.160
<v Speaker 6>lower rate.

0:22:38.320 --> 0:22:40.040
<v Speaker 4>Do you how do you get going on campus?

0:22:40.480 --> 0:22:41.800
<v Speaker 7>You can go on campus, so you can call.

0:22:42.080 --> 0:22:45.080
<v Speaker 6>What you can do is you can call most colleges

0:22:45.119 --> 0:22:47.720
<v Speaker 6>have what they call like a pre college program, pre

0:22:47.840 --> 0:22:51.199
<v Speaker 6>summer program, summer academies, and look look inside of some

0:22:51.240 --> 0:22:53.520
<v Speaker 6>of those programs, those summer camps and maybe don't send

0:22:53.520 --> 0:22:55.840
<v Speaker 6>your kids to maybe a sports camp in the town.

0:22:55.920 --> 0:22:58.919
<v Speaker 6>You send them to a business academy camp at like

0:22:58.960 --> 0:23:02.000
<v Speaker 6>let's say, at Pace University, and then they can potentially

0:23:02.040 --> 0:23:05.359
<v Speaker 6>get credits for class while they're at that camp. So

0:23:05.480 --> 0:23:07.439
<v Speaker 6>that's that's the way to kind of look at it.

0:23:07.520 --> 0:23:10.840
<v Speaker 6>I would look at your local community colleges first, give

0:23:10.880 --> 0:23:12.840
<v Speaker 6>them a call. A lot of them do allow high

0:23:12.840 --> 0:23:15.960
<v Speaker 6>school students to take classes on Saturdays and at night,

0:23:16.640 --> 0:23:18.440
<v Speaker 6>so that's something that you can you can definitely look

0:23:18.440 --> 0:23:20.440
<v Speaker 6>out for, and you can go in as what they

0:23:20.440 --> 0:23:23.439
<v Speaker 6>call another fancy college for like a non matriculated student.

0:23:23.800 --> 0:23:25.399
<v Speaker 9>That's yeah, that's a good word, I know.

0:23:26.000 --> 0:23:28.479
<v Speaker 8>I think another thing too is to just be honest

0:23:28.480 --> 0:23:31.480
<v Speaker 8>about going to community colleges. So community colleges are way

0:23:31.560 --> 0:23:34.680
<v Speaker 8>less expensive than they are than for your institutions are.

0:23:35.160 --> 0:23:38.080
<v Speaker 8>And so if your student is not fully prepared because

0:23:38.119 --> 0:23:38.720
<v Speaker 8>they just don't know.

0:23:38.800 --> 0:23:40.520
<v Speaker 3>I mean, at eighteen, you just may not know.

0:23:40.560 --> 0:23:41.879
<v Speaker 8>And at eighteen, I thought I was going to be

0:23:41.880 --> 0:23:44.840
<v Speaker 8>a high school basketball coach, teaching English classes that in

0:23:44.920 --> 0:23:46.679
<v Speaker 8>my old high school, and that's what I thought I

0:23:46.720 --> 0:23:49.040
<v Speaker 8>was going to do. And I went into college thinking

0:23:49.080 --> 0:23:50.960
<v Speaker 8>that that was the plan. And I realized that I

0:23:51.000 --> 0:23:53.440
<v Speaker 8>didn't want to do that at all about two years

0:23:53.440 --> 0:23:56.119
<v Speaker 8>into the game, and so I had I don't know

0:23:56.160 --> 0:23:59.200
<v Speaker 8>if community college was particularly for me, but I'm paying

0:23:59.200 --> 0:24:00.840
<v Speaker 8>I paid for those two and I paid a lot

0:24:00.840 --> 0:24:02.160
<v Speaker 8>of money for those two years.

0:24:02.240 --> 0:24:04.000
<v Speaker 3>And for some people who are just.

0:24:04.000 --> 0:24:06.159
<v Speaker 8>Not quite sure if they want to go to college

0:24:06.240 --> 0:24:08.600
<v Speaker 8>or if this institution is go to a two year

0:24:08.960 --> 0:24:10.879
<v Speaker 8>and bang out two years of college that are going

0:24:10.960 --> 0:24:13.280
<v Speaker 8>to be a lot less expensive, and then succeed at

0:24:13.280 --> 0:24:15.119
<v Speaker 8>those two years and then you can get into whatever

0:24:15.160 --> 0:24:15.800
<v Speaker 8>school you want.

0:24:15.840 --> 0:24:17.160
<v Speaker 3>I mean, Harvard is giving.

0:24:16.920 --> 0:24:20.479
<v Speaker 8>Away full scholarships to students who excel at a community college,

0:24:20.520 --> 0:24:23.800
<v Speaker 8>as are so many other excellent institutions, So you know,

0:24:23.840 --> 0:24:26.919
<v Speaker 8>I think that's one that's another way to minimize some

0:24:27.040 --> 0:24:30.040
<v Speaker 8>of the costs. And another thing I wanted to add

0:24:30.080 --> 0:24:35.880
<v Speaker 8>is alumni offices are a secret hidden money giving a space.

0:24:36.960 --> 0:24:41.600
<v Speaker 8>It's called advancement at most universities. But your alumni offices

0:24:41.840 --> 0:24:45.919
<v Speaker 8>are always collecting money from donors who are saying, we

0:24:46.000 --> 0:24:49.800
<v Speaker 8>want to give money to a black male student from

0:24:50.080 --> 0:24:55.920
<v Speaker 8>upstate New York who enjoys watching soccer, and they literally

0:24:55.920 --> 0:24:57.560
<v Speaker 8>will say that's the only way we're going to give

0:24:57.600 --> 0:24:59.840
<v Speaker 8>five thousand dollars to this program, or we're going to

0:24:59.840 --> 0:25:02.520
<v Speaker 8>get five thousand dollars to a student who's involved in

0:25:02.560 --> 0:25:05.000
<v Speaker 8>the Haitian Students club, and that's the only way we're

0:25:05.000 --> 0:25:07.720
<v Speaker 8>gonna give five thousand dollars. I donate to my school

0:25:08.000 --> 0:25:11.160
<v Speaker 8>and I give money only to the Black student Union

0:25:11.240 --> 0:25:14.199
<v Speaker 8>that helps shape my career. So we have money that

0:25:14.240 --> 0:25:16.240
<v Speaker 8>we give to. You have to be involved in that club.

0:25:16.400 --> 0:25:19.560
<v Speaker 8>But students don't know because they don't always announce those scholarships.

0:25:19.560 --> 0:25:22.919
<v Speaker 8>They're just there on the website that nobody knows.

0:25:23.080 --> 0:25:24.160
<v Speaker 3>So I tell.

0:25:24.000 --> 0:25:26.280
<v Speaker 8>Students once a month go into that office and say

0:25:26.480 --> 0:25:28.040
<v Speaker 8>are you offering any scholarships?

0:25:28.320 --> 0:25:29.840
<v Speaker 3>And they will be there.

0:25:29.920 --> 0:25:32.600
<v Speaker 6>And then for those people, I mean, we both did it.

0:25:32.600 --> 0:25:34.920
<v Speaker 6>We both donated and created our own scholarships. I created

0:25:34.920 --> 0:25:36.520
<v Speaker 6>one out of community college, create one out of his

0:25:36.560 --> 0:25:38.639
<v Speaker 6>high school. And for those people that are watching that

0:25:38.760 --> 0:25:41.200
<v Speaker 6>don't know how to give back money, you can call

0:25:41.240 --> 0:25:45.960
<v Speaker 6>the foundations and advancement and alumni officers at these colleges

0:25:46.000 --> 0:25:48.040
<v Speaker 6>and do a two hundred and fifty dollars scholarship or

0:25:48.040 --> 0:25:51.480
<v Speaker 6>a five hundred dollars scholarship to help students as well. Another

0:25:51.520 --> 0:25:54.200
<v Speaker 6>misconception is that you have to finish a community college

0:25:54.240 --> 0:25:57.679
<v Speaker 6>in order to transfer. That's not true. Every school is different.

0:25:57.880 --> 0:26:00.119
<v Speaker 6>So for example, in New Jersey where I live, two

0:26:00.160 --> 0:26:01.239
<v Speaker 6>things that I want to kind of put out there.

0:26:01.240 --> 0:26:01.680
<v Speaker 9>There's two things.

0:26:01.720 --> 0:26:02.280
<v Speaker 7>In New Jersey.

0:26:03.080 --> 0:26:04.960
<v Speaker 6>Let's say you have twelve credits in the two point

0:26:05.000 --> 0:26:07.720
<v Speaker 6>zero you can transfer into most four year state schools

0:26:08.400 --> 0:26:10.320
<v Speaker 6>in New Jersey. It's give me two point five into

0:26:10.359 --> 0:26:12.880
<v Speaker 6>most state schools in New Jersey. New Jersey also has

0:26:12.920 --> 0:26:15.840
<v Speaker 6>another program, and most states do have programs like this

0:26:15.920 --> 0:26:18.800
<v Speaker 6>called NJ Stars where a student maybe didn't do particularly

0:26:18.840 --> 0:26:21.080
<v Speaker 6>well in their SATs, but they're in the top twenty

0:26:21.119 --> 0:26:23.159
<v Speaker 6>percent of the top ten percent of their class. And

0:26:23.200 --> 0:26:24.639
<v Speaker 6>if you're in the top ten percent of your class,

0:26:24.640 --> 0:26:27.159
<v Speaker 6>you go to college for free community college. Then when

0:26:27.200 --> 0:26:29.240
<v Speaker 6>you go to community college, if you get your associate's

0:26:29.320 --> 0:26:31.719
<v Speaker 6>degree and you have a three point two GPA, you

0:26:31.720 --> 0:26:34.560
<v Speaker 6>can get another scholarship to go finish your bachelor's degree

0:26:34.560 --> 0:26:36.240
<v Speaker 6>at a four year college and that'll be it in

0:26:36.359 --> 0:26:39.080
<v Speaker 6>Jstars two. So in Jstars one, it's community college. You

0:26:39.080 --> 0:26:41.600
<v Speaker 6>can transfer out and then you go into in Jstars too.

0:26:41.840 --> 0:26:43.320
<v Speaker 6>So these are type of programs that they have in

0:26:43.320 --> 0:26:44.840
<v Speaker 6>a lot of I just know that particular because I'm

0:26:44.840 --> 0:26:46.960
<v Speaker 6>from New Jersey, But they have these type of programs

0:26:46.960 --> 0:26:49.720
<v Speaker 6>within the states. So don't get too caught up saying, well,

0:26:49.720 --> 0:26:51.200
<v Speaker 6>I'm top twenty percent of class. I want to go

0:26:51.240 --> 0:26:52.240
<v Speaker 6>to this big school.

0:26:52.440 --> 0:26:53.040
<v Speaker 7>Yeah, you might be.

0:26:53.080 --> 0:26:55.399
<v Speaker 6>Your top twenty percent might be different from another high school,

0:26:55.520 --> 0:26:57.080
<v Speaker 6>so you might not get as much money as.

0:26:57.000 --> 0:26:57.880
<v Speaker 7>Far as scholarships.

0:26:57.960 --> 0:26:59.760
<v Speaker 6>So take advantage of the scholarships that you do have,

0:27:00.040 --> 0:27:02.119
<v Speaker 6>be at that community college, and then go on and

0:27:02.160 --> 0:27:04.040
<v Speaker 6>then potentially transferring get scholarships as well.

0:27:04.040 --> 0:27:05.240
<v Speaker 7>So it's just transfer scholarships.

0:27:05.520 --> 0:27:08.040
<v Speaker 2>As you're talking, I'm listening because we do this this

0:27:08.119 --> 0:27:10.320
<v Speaker 2>project with the kids who are going into college, like

0:27:10.359 --> 0:27:12.320
<v Speaker 2>even say an associate's degree, they like have no idea.

0:27:12.359 --> 0:27:14.120
<v Speaker 9>So that's traditionally fifty six.

0:27:13.920 --> 0:27:16.520
<v Speaker 2>Credits, right, and then obviously a bachelor is when you

0:27:16.560 --> 0:27:19.439
<v Speaker 2>finish traditionally one hundred and twenty credits of school. That

0:27:19.520 --> 0:27:23.080
<v Speaker 2>might take for four or five years hopefully because it's

0:27:23.080 --> 0:27:24.400
<v Speaker 2>going to cost you ever and you don't.

0:27:24.240 --> 0:27:26.560
<v Speaker 6>But and on top of that, you know, after a

0:27:26.560 --> 0:27:28.800
<v Speaker 6>certain amount of credits, after I think one hundred and sixty,

0:27:28.800 --> 0:27:30.680
<v Speaker 6>I want to say, you run out of financial aid.

0:27:31.480 --> 0:27:33.800
<v Speaker 6>So you can continue to go to school. They'll let

0:27:33.840 --> 0:27:35.800
<v Speaker 6>you go to school, they don't care, but your financial aid.

0:27:35.800 --> 0:27:37.480
<v Speaker 6>Can you can exhaust your financial aid?

0:27:37.640 --> 0:27:39.679
<v Speaker 2>That's important And I was going to say, like in

0:27:39.680 --> 0:27:41.359
<v Speaker 2>addition to that, like a lot there's a misconception with

0:27:41.400 --> 0:27:43.960
<v Speaker 2>community college. Like you said, like after those two years

0:27:44.040 --> 0:27:45.760
<v Speaker 2>you transfer to a four year school. Like when you

0:27:45.880 --> 0:27:48.639
<v Speaker 2>graduate and you go into your career, nobody's looking at like, yo,

0:27:48.680 --> 0:27:51.120
<v Speaker 2>what junior you transfer from community college?

0:27:51.240 --> 0:27:53.080
<v Speaker 10>And then New York State has now.

0:27:52.960 --> 0:27:54.959
<v Speaker 9>Like in the past two years they started the Excelsia program.

0:27:55.000 --> 0:27:57.280
<v Speaker 2>So state school is also a good thing, right, it's

0:27:57.320 --> 0:28:00.119
<v Speaker 2>a least it's less than if you went to a

0:28:00.160 --> 0:28:00.720
<v Speaker 2>private school.

0:28:00.760 --> 0:28:00.879
<v Speaker 9>Right.

0:28:00.920 --> 0:28:02.159
<v Speaker 2>So if you go to state school and you live

0:28:02.160 --> 0:28:04.320
<v Speaker 2>in New York and you know your parents make under

0:28:04.320 --> 0:28:06.800
<v Speaker 2>a certain amount of money, you can have I think

0:28:06.880 --> 0:28:10.000
<v Speaker 2>room and board for free and to which well, so

0:28:10.359 --> 0:28:12.679
<v Speaker 2>that's another option. If community college is like it's not

0:28:12.720 --> 0:28:15.440
<v Speaker 2>something you want to do, go to your local state

0:28:15.440 --> 0:28:16.760
<v Speaker 2>school if you live in New York, and then I

0:28:16.760 --> 0:28:19.359
<v Speaker 2>think the only recommend requirement is that you have to

0:28:20.240 --> 0:28:23.720
<v Speaker 2>work in the state four years after you however.

0:28:23.560 --> 0:28:25.320
<v Speaker 7>Long, Yeah, a lot of schools are doing.

0:28:25.440 --> 0:28:28.159
<v Speaker 6>You know, if your parents make seventy thousand hours, your

0:28:28.160 --> 0:28:30.119
<v Speaker 6>household income is seventy thousand dollars, you go to school

0:28:30.119 --> 0:28:32.480
<v Speaker 6>for free. That's something that's happened in New Jersey where

0:28:32.520 --> 0:28:34.760
<v Speaker 6>all the community colleges will be free start in September.

0:28:35.600 --> 0:28:37.320
<v Speaker 6>These are again, these are the type of programs that

0:28:37.359 --> 0:28:39.280
<v Speaker 6>you should know. But most importantly, you just brought up

0:28:39.280 --> 0:28:43.280
<v Speaker 6>a really good point. Public understand what a public college

0:28:43.320 --> 0:28:46.000
<v Speaker 6>is and a private college. Right, nine times out of ten,

0:28:46.040 --> 0:28:48.400
<v Speaker 6>a private college costs more than a public college. And

0:28:48.440 --> 0:28:49.800
<v Speaker 6>it doesn't mean that, And it goes back what I

0:28:49.840 --> 0:28:51.400
<v Speaker 6>said early. It doesn't mean that they're a better school.

0:28:51.520 --> 0:28:54.160
<v Speaker 6>It's literally because they're privately funded, so it's a little

0:28:54.200 --> 0:28:56.040
<v Speaker 6>it's a little bit different when it comes to how

0:28:56.080 --> 0:28:58.080
<v Speaker 6>much they charge for tuition. So it's very important to

0:28:58.080 --> 0:29:00.440
<v Speaker 6>know what a public college is and a private private

0:29:00.440 --> 0:29:01.120
<v Speaker 6>and know the difference.

0:29:01.360 --> 0:29:03.440
<v Speaker 5>That'sant Yeah, because I actually did a podcast before and

0:29:03.520 --> 0:29:05.400
<v Speaker 5>somebody asked me that question, and I was saying that

0:29:06.320 --> 0:29:09.880
<v Speaker 5>nobody cares, like especially if you plan on getting a

0:29:09.920 --> 0:29:11.959
<v Speaker 5>degree outside of the other first degree. So like if

0:29:12.000 --> 0:29:14.640
<v Speaker 5>you know you're going to get a four year degree

0:29:14.640 --> 0:29:16.200
<v Speaker 5>and you go into a two year school, or if

0:29:16.240 --> 0:29:18.440
<v Speaker 5>you know you're going to get a master's degree, right,

0:29:18.640 --> 0:29:20.480
<v Speaker 5>they only care about the last degree that you have

0:29:21.200 --> 0:29:23.440
<v Speaker 5>and that school that you went to. So like Barack

0:29:23.440 --> 0:29:26.160
<v Speaker 5>Obama is a perfect example. He went to his first

0:29:26.160 --> 0:29:28.120
<v Speaker 5>school that he went to for two years is like

0:29:28.240 --> 0:29:31.520
<v Speaker 5>some no name school in California. Then he went to

0:29:31.880 --> 0:29:34.480
<v Speaker 5>Columbia and then he went to Harvard after that. Right,

0:29:34.960 --> 0:29:37.000
<v Speaker 5>when you hear the stories, it's only that he went

0:29:37.040 --> 0:29:39.400
<v Speaker 5>to Harvard Law and he graduated from Columbia, they never

0:29:39.440 --> 0:29:40.800
<v Speaker 5>say the first school that he went to.

0:29:41.360 --> 0:29:42.080
<v Speaker 4>It doesn't matter.

0:29:42.720 --> 0:29:44.920
<v Speaker 5>But you save a lot of money, you prepare yourself,

0:29:44.960 --> 0:29:47.600
<v Speaker 5>and you grow so a lot of times I'm not

0:29:47.680 --> 0:29:49.160
<v Speaker 5>the best person to give this speech because I went

0:29:49.160 --> 0:29:52.840
<v Speaker 5>to the University of Hawaii, But you might have to

0:29:52.920 --> 0:29:56.480
<v Speaker 5>humble yourself and stay home right and learn, learn the ropes,

0:29:56.560 --> 0:29:58.400
<v Speaker 5>and you know, stay at home for a couple of

0:29:58.440 --> 0:30:01.120
<v Speaker 5>years and then go out on your own. Or you know,

0:30:01.160 --> 0:30:03.480
<v Speaker 5>you might just sacrifice for four years, stay at home,

0:30:03.600 --> 0:30:06.360
<v Speaker 5>save money, go to your local school in your area,

0:30:06.480 --> 0:30:10.000
<v Speaker 5>your state school. It'll you might not get the same

0:30:10.640 --> 0:30:13.880
<v Speaker 5>joy as you know, going out on your own and

0:30:13.960 --> 0:30:18.120
<v Speaker 5>you know, going to a crazy destination. But the grand

0:30:18.160 --> 0:30:21.040
<v Speaker 5>scheme of things, it might make a lot of sense

0:30:21.080 --> 0:30:21.480
<v Speaker 5>long term.

0:30:21.600 --> 0:30:22.680
<v Speaker 9>That's my story in itself.

0:30:22.720 --> 0:30:25.040
<v Speaker 2>Right, I stayed home, I went to school locally, right,

0:30:25.080 --> 0:30:26.640
<v Speaker 2>But what I did during that time was I was

0:30:26.680 --> 0:30:29.120
<v Speaker 2>able to get experience, whereas somebody who comes out of

0:30:29.120 --> 0:30:31.160
<v Speaker 2>school and is looking for experience, I.

0:30:31.080 --> 0:30:32.239
<v Speaker 9>Already have four years on you.

0:30:32.320 --> 0:30:34.280
<v Speaker 2>So sometimes when you go to a career or job,

0:30:34.280 --> 0:30:36.200
<v Speaker 2>it's like, yeah, you have this, but do you have

0:30:36.240 --> 0:30:38.040
<v Speaker 2>the experience? Like I'm doing that as I'm going to

0:30:38.040 --> 0:30:40.400
<v Speaker 2>school and obviously I don't have to pay for room

0:30:40.400 --> 0:30:41.239
<v Speaker 2>and board or anything like that.

0:30:41.280 --> 0:30:42.640
<v Speaker 9>So it helped in that way.

0:30:42.840 --> 0:30:45.640
<v Speaker 6>Yeah, and also look at another complotment by experience. Also

0:30:45.680 --> 0:30:48.400
<v Speaker 6>look at the career centers within the college. I know,

0:30:48.480 --> 0:30:51.920
<v Speaker 6>in my junior year, my job, my internship was also

0:30:52.000 --> 0:30:54.000
<v Speaker 6>kind of as credits, so it could be considered like

0:30:54.000 --> 0:30:57.000
<v Speaker 6>a co op program. So your class can actually eliminate

0:30:57.120 --> 0:30:59.160
<v Speaker 6>I mean, your job can actually eliminate you taking a

0:30:59.160 --> 0:31:01.400
<v Speaker 6>certain class because the work that you're doing, the experience

0:31:01.440 --> 0:31:04.440
<v Speaker 6>that you're doing is learning learn learning experience. And then

0:31:04.440 --> 0:31:06.920
<v Speaker 6>they'll give you a professor to kind of you know,

0:31:07.040 --> 0:31:08.960
<v Speaker 6>follow you along and then you write a paper about

0:31:08.960 --> 0:31:11.040
<v Speaker 6>it in the semester. And not only did you get

0:31:11.040 --> 0:31:13.440
<v Speaker 6>paid to work, but you also got credits which saved

0:31:13.440 --> 0:31:14.200
<v Speaker 6>you money as well.

0:31:14.720 --> 0:31:17.520
<v Speaker 4>So Jeff, you have an interesting story about j Cole.

0:31:17.920 --> 0:31:20.080
<v Speaker 8>Yeah, so you know this is the thing about college.

0:31:20.120 --> 0:31:22.240
<v Speaker 8>So this kind of goes into this conversation about how

0:31:22.240 --> 0:31:24.400
<v Speaker 8>to find money and how to be more successful in it.

0:31:24.480 --> 0:31:26.680
<v Speaker 8>So I went to Saint John's University and I went

0:31:26.720 --> 0:31:29.200
<v Speaker 8>to school with J. Cole, And you know, I was

0:31:29.280 --> 0:31:31.800
<v Speaker 8>president of our Black student union which was called Harayah,

0:31:31.920 --> 0:31:35.160
<v Speaker 8>and at that time we were the largest organization. They

0:31:35.200 --> 0:31:38.120
<v Speaker 8>had a massive budget, over one hundred thousand dollars. And

0:31:38.160 --> 0:31:40.920
<v Speaker 8>what we were able to do was I became president

0:31:40.960 --> 0:31:42.760
<v Speaker 8>of that. And becoming president of that, they gave me

0:31:42.800 --> 0:31:45.080
<v Speaker 8>a five thousand dollars stipend. So right there, I got

0:31:45.080 --> 0:31:47.360
<v Speaker 8>an extra five K that I didn't have for doing

0:31:47.360 --> 0:31:50.000
<v Speaker 8>some student work on top of the stipend. With that budget,

0:31:50.040 --> 0:31:52.080
<v Speaker 8>I was able to also bring in a bunch of

0:31:52.080 --> 0:31:55.320
<v Speaker 8>different speakers. I mean Cornell, Wes, Maya, Angelou, all these

0:31:55.320 --> 0:31:56.920
<v Speaker 8>people that I wanted to meet, We had the money

0:31:57.000 --> 0:32:00.760
<v Speaker 8>to bring them in. Now that J colepiece is is

0:32:00.880 --> 0:32:03.680
<v Speaker 8>leveraging the networking opportunity. So if you're going to go

0:32:03.760 --> 0:32:05.479
<v Speaker 8>to a college, I don't care what school it is,

0:32:05.720 --> 0:32:07.280
<v Speaker 8>I want you to go in there and make sure

0:32:07.320 --> 0:32:09.840
<v Speaker 8>you meet as many different people as you possibly can.

0:32:09.920 --> 0:32:12.320
<v Speaker 8>Get yourself into every room and so when I think

0:32:12.320 --> 0:32:15.040
<v Speaker 8>about Cole, one of the things that I remember Jermaine

0:32:15.080 --> 0:32:18.000
<v Speaker 8>was just wrapping in the random open mic or wrapping

0:32:18.080 --> 0:32:20.239
<v Speaker 8>in the residence hall in the dorms, and then that

0:32:20.320 --> 0:32:23.560
<v Speaker 8>flipped into him getting involved. He eventually became president of

0:32:23.600 --> 0:32:26.560
<v Speaker 8>our Black student union. And then when that happened, he

0:32:26.600 --> 0:32:29.480
<v Speaker 8>always had a crowd. There was always five hundred people

0:32:29.480 --> 0:32:31.760
<v Speaker 8>that were guaranteed that we're going to buy the mixtape,

0:32:31.760 --> 0:32:33.080
<v Speaker 8>that we're going to come out to the show, that

0:32:33.080 --> 0:32:35.000
<v Speaker 8>we're going to support him at the open mic, that

0:32:35.040 --> 0:32:37.000
<v Speaker 8>we're going to go out to this And me, I

0:32:37.000 --> 0:32:39.040
<v Speaker 8>see it all the time as we do speaking gigs

0:32:39.040 --> 0:32:41.840
<v Speaker 8>that I still perform poetry. Half of my audience are

0:32:41.880 --> 0:32:44.240
<v Speaker 8>people from Saint John's for my undergraduate career.

0:32:44.440 --> 0:32:45.600
<v Speaker 3>So I tell.

0:32:45.440 --> 0:32:48.920
<v Speaker 8>People make sure that once you get in, get yourself involved,

0:32:48.920 --> 0:32:51.880
<v Speaker 8>get yourself entrenched in the university, because that's how you

0:32:51.920 --> 0:32:53.360
<v Speaker 8>get them to start paying you back.

0:32:53.520 --> 0:32:55.360
<v Speaker 3>And that's the thing. School's really expensive.

0:32:55.360 --> 0:32:57.040
<v Speaker 8>But I'm going to find out how do I become

0:32:57.120 --> 0:32:59.720
<v Speaker 8>a resident assistant. And a resident assistant is when you're

0:32:59.720 --> 0:33:02.160
<v Speaker 8>in charge of a residence floor and you're in charge

0:33:02.160 --> 0:33:04.040
<v Speaker 8>of a dorm floor, they pay for your housing. But

0:33:04.120 --> 0:33:05.960
<v Speaker 8>I did not pay for housing for three years of

0:33:06.000 --> 0:33:08.480
<v Speaker 8>my college career. And when you get into those spaces,

0:33:08.480 --> 0:33:10.440
<v Speaker 8>I was an orientation leader, which were the people who

0:33:10.440 --> 0:33:12.840
<v Speaker 8>introduced the people when they came to college.

0:33:12.840 --> 0:33:15.320
<v Speaker 3>I got paid for that. So that's where you find

0:33:15.320 --> 0:33:15.720
<v Speaker 3>the money.

0:33:15.760 --> 0:33:18.520
<v Speaker 8>You leveraged the money by the network, by the capital

0:33:18.560 --> 0:33:20.640
<v Speaker 8>of the individuals, as well as the capital that the

0:33:21.000 --> 0:33:21.800
<v Speaker 8>school hasn't.

0:33:21.880 --> 0:33:24.400
<v Speaker 5>He said something interesting, You said that Jacole, being the

0:33:24.440 --> 0:33:26.160
<v Speaker 5>president of the Black Student Union, he was in a

0:33:26.240 --> 0:33:28.560
<v Speaker 5>unique position because he booked concerts.

0:33:28.680 --> 0:33:29.920
<v Speaker 4>So then that opened up for them.

0:33:30.120 --> 0:33:33.080
<v Speaker 8>Yeah, it was fascinating. I mean I remember, you know

0:33:33.120 --> 0:33:34.680
<v Speaker 8>when I was wrapping back in the day, that was

0:33:34.720 --> 0:33:36.960
<v Speaker 8>the same thing. I'm like, I put on my little resume. Yeah,

0:33:37.000 --> 0:33:39.000
<v Speaker 8>I opened up for Kanye, I opened up for quality,

0:33:39.080 --> 0:33:41.400
<v Speaker 8>I opened up for comment And he did the same

0:33:41.440 --> 0:33:44.280
<v Speaker 8>thing every time we had a major artist. He was

0:33:44.320 --> 0:33:46.760
<v Speaker 8>one of the performers that opened up for it. And

0:33:46.760 --> 0:33:50.160
<v Speaker 8>then that just again creates more leverage, creates more opportunities.

0:33:50.160 --> 0:33:52.120
<v Speaker 8>You get practice. And he didn't pay a dime. He

0:33:52.120 --> 0:33:55.000
<v Speaker 8>didn't pay anything. You use the studio that's on campus,

0:33:55.360 --> 0:33:58.440
<v Speaker 8>use every possible resource that they have because they're they're

0:33:58.480 --> 0:33:59.520
<v Speaker 8>they're taking the money.

0:33:59.360 --> 0:34:00.360
<v Speaker 9>From you in tuition.

0:34:00.480 --> 0:34:02.640
<v Speaker 8>They're never gonna They're never gonna say, hey, you know what,

0:34:02.680 --> 0:34:05.240
<v Speaker 8>it's okay, you don't have to pay today. So I'm

0:34:05.280 --> 0:34:07.840
<v Speaker 8>gonna say, listen, I want They're never gonna say that, right,

0:34:07.880 --> 0:34:11.080
<v Speaker 8>So I want the studio, I want the gym, I

0:34:11.120 --> 0:34:14.040
<v Speaker 8>want I'm taking everything that this school could possibly give me.

0:34:14.400 --> 0:34:15.960
<v Speaker 4>And he was like a straight a student something like that.

0:34:16.280 --> 0:34:18.360
<v Speaker 8>Yeah, I mean he was a good student from what

0:34:18.400 --> 0:34:20.520
<v Speaker 8>I heard. I mean, I wasn't in the classes with him, right,

0:34:20.600 --> 0:34:21.680
<v Speaker 8>but he was.

0:34:21.760 --> 0:34:21.960
<v Speaker 4>I mean.

0:34:21.960 --> 0:34:24.440
<v Speaker 8>And that's the thing is that I can't stress. And

0:34:24.480 --> 0:34:26.440
<v Speaker 8>I'll say this over and over again. You have to

0:34:26.719 --> 0:34:29.879
<v Speaker 8>succeed in that space. So do everything you possibly can

0:34:30.320 --> 0:34:32.560
<v Speaker 8>to to leverage every opportunity.

0:34:32.560 --> 0:34:33.080
<v Speaker 3>Did they have.

0:34:35.040 --> 0:34:37.920
<v Speaker 10>My graduates from my school being false?

0:34:38.239 --> 0:34:38.439
<v Speaker 4>Bad?

0:34:38.600 --> 0:34:43.040
<v Speaker 3>Drop drop Mike, drop bag drop.

0:34:53.480 --> 0:34:53.640
<v Speaker 8>Hi.

0:34:53.840 --> 0:34:56.520
<v Speaker 12>I'm Sherry from Life Source Water. Did you know Bay

0:34:56.600 --> 0:35:00.759
<v Speaker 12>Area cities add chemicals like chlorine and chloromine to disinfect

0:35:00.760 --> 0:35:04.360
<v Speaker 12>the tapwater on top of contaminants they can't handle, like

0:35:04.440 --> 0:35:08.400
<v Speaker 12>microplastics and forever chemicals. At Life Source, we believe your

0:35:08.400 --> 0:35:11.759
<v Speaker 12>water should support your family's health. Our whole house water

0:35:11.800 --> 0:35:15.400
<v Speaker 12>system filters every drop that enters your home, delivering clean,

0:35:15.520 --> 0:35:19.120
<v Speaker 12>healthy water to every tap, shower and appliance. Family owned

0:35:19.160 --> 0:35:22.840
<v Speaker 12>for three generations, we build every system, install it and

0:35:22.880 --> 0:35:26.319
<v Speaker 12>offer factory direct pricing. So end your water worries and

0:35:26.480 --> 0:35:29.960
<v Speaker 12>upgrade to the essential home appliance you'll love using every

0:35:30.040 --> 0:35:34.799
<v Speaker 12>day drink, bathe, cook, and live clean with Life Source Water. Now,

0:35:34.840 --> 0:35:38.080
<v Speaker 12>we are offering a double dip in savings, free basic

0:35:38.160 --> 0:35:41.400
<v Speaker 12>installation plus an extra two hundred and fifty dollars off

0:35:41.640 --> 0:35:44.600
<v Speaker 12>that's up to twelve hundred dollars in savings. Call our

0:35:44.600 --> 0:35:47.359
<v Speaker 12>factory at one eight hundred Water nine nine or visit

0:35:47.400 --> 0:35:51.839
<v Speaker 12>lifesourcewater dot com hurry offer in September thirty. Warranty limitations

0:35:51.880 --> 0:35:52.160
<v Speaker 12>apply