1 00:00:00,080 --> 00:00:02,920 Speaker 1: Welcome to How to Money. I'm Joel and I'm Att, 2 00:00:03,160 --> 00:00:07,520 Speaker 1: and today we're discussing cunning college costs with money pro 3 00:00:07,680 --> 00:00:29,200 Speaker 1: Cody Burman. Yeah, I'm excited to talk about getting the 4 00:00:29,280 --> 00:00:32,200 Speaker 1: cost of college down. Joel. We recently had on Megan 5 00:00:32,280 --> 00:00:35,160 Speaker 1: as a money pro. We talked about the student loans 6 00:00:35,200 --> 00:00:37,720 Speaker 1: and the effect that that's having on our country and 7 00:00:37,760 --> 00:00:40,120 Speaker 1: on individuals, and so yeah, going through some of these 8 00:00:40,159 --> 00:00:42,279 Speaker 1: tips that Cody is bringing to the table, I think 9 00:00:42,280 --> 00:00:44,920 Speaker 1: are gonna help a lot of folks. I completely agree, 10 00:00:45,000 --> 00:00:47,120 Speaker 1: my friend. But before we get to that, I wanted 11 00:00:47,159 --> 00:00:49,800 Speaker 1: to mention a quick listener email that we got recently 12 00:00:49,920 --> 00:00:54,320 Speaker 1: from James. And James said, hey, guys, recently after listening 13 00:00:54,320 --> 00:00:57,000 Speaker 1: to your podcast where you talked about how Wells Fargo sucks, 14 00:00:57,000 --> 00:00:58,680 Speaker 1: which we've done a couple of times, I think I 15 00:00:58,760 --> 00:01:01,280 Speaker 1: switched banks for my savings. At Wells Fargo, my money 16 00:01:01,480 --> 00:01:03,920 Speaker 1: wasn't doing anything for me except an interest rate of 17 00:01:04,040 --> 00:01:07,319 Speaker 1: point oh one percent. Now I'm at Ally Bank, where 18 00:01:07,360 --> 00:01:09,800 Speaker 1: I get two point two percent interest in one month. 19 00:01:09,840 --> 00:01:12,280 Speaker 1: At Ally, I received more an interest than I could 20 00:01:12,360 --> 00:01:16,880 Speaker 1: at Wells Fargo in almost ten years. I just love 21 00:01:16,959 --> 00:01:19,680 Speaker 1: the comparison. I love I love the James let us 22 00:01:19,680 --> 00:01:22,000 Speaker 1: know that he took action, and also just love that. 23 00:01:22,200 --> 00:01:24,120 Speaker 1: I mean ten years think about that. That that's like 24 00:01:24,360 --> 00:01:27,959 Speaker 1: such a distinct market difference. And if you will just 25 00:01:28,040 --> 00:01:30,039 Speaker 1: change your banks to a little bit of a better bank, 26 00:01:30,280 --> 00:01:33,240 Speaker 1: you're with Ally. I'm with a few different banks, as 27 00:01:33,240 --> 00:01:35,440 Speaker 1: I mentioned in our Facebook group and just mentioned on 28 00:01:35,480 --> 00:01:38,600 Speaker 1: the show. I'm with Capital One, I'm with Discover, and 29 00:01:38,640 --> 00:01:40,559 Speaker 1: I'm with c I T. There's so many better banks, 30 00:01:40,560 --> 00:01:44,240 Speaker 1: not only customer service wise, but rate wise as well. Nice. Yeah, man, 31 00:01:44,280 --> 00:01:46,360 Speaker 1: I love that James is with Ally like that. Yeah, 32 00:01:46,400 --> 00:01:47,800 Speaker 1: that is one of my favorites. I've been with him 33 00:01:47,840 --> 00:01:49,760 Speaker 1: for quite a while now. And you mentioned C I T. 34 00:01:50,240 --> 00:01:52,320 Speaker 1: You know, you wrote an article about how you switched 35 00:01:52,360 --> 00:01:54,520 Speaker 1: over to c I T. They've got awesome rates right now. 36 00:01:54,640 --> 00:01:56,200 Speaker 1: If ils want to find that article, just go to 37 00:01:56,280 --> 00:01:59,000 Speaker 1: how the money dot com slash c I T and 38 00:01:59,040 --> 00:02:01,520 Speaker 1: there you highlighted scymically the difference in the rate, Like 39 00:02:01,600 --> 00:02:03,760 Speaker 1: right now we're at two point four five, and that's 40 00:02:03,800 --> 00:02:06,200 Speaker 1: just massive. That's just a ton of money plus all 41 00:02:06,200 --> 00:02:07,960 Speaker 1: the other awesome reasons that you want to switch away 42 00:02:07,960 --> 00:02:10,840 Speaker 1: from one of the big banks to an awesome competitive 43 00:02:11,360 --> 00:02:15,480 Speaker 1: service oriented online bank, no doubt, my friend are let's 44 00:02:15,520 --> 00:02:17,680 Speaker 1: talking about the beer that we're drinking on the show today, 45 00:02:18,160 --> 00:02:21,680 Speaker 1: Brain Dead Brewing Company presents Power Shark. Is what our 46 00:02:21,760 --> 00:02:24,839 Speaker 1: label says on the Crowler. From a listener Jared out 47 00:02:24,840 --> 00:02:28,560 Speaker 1: in Texas, this is a triple dry hawked beer and dude, 48 00:02:28,560 --> 00:02:30,760 Speaker 1: I'm really excited to dig in and just get a 49 00:02:30,760 --> 00:02:33,920 Speaker 1: face full of hops. Yeah. Huge, thanks to Jared for 50 00:02:33,960 --> 00:02:37,120 Speaker 1: sending this beer in. And he specifically reached out on Instagram. 51 00:02:37,160 --> 00:02:39,079 Speaker 1: He yeah, slid into those d m s and send 52 00:02:39,120 --> 00:02:41,720 Speaker 1: me a message. So yeah, if you aren't following how 53 00:02:41,760 --> 00:02:44,560 Speaker 1: to Money pod on Instagram, be sure to check that 54 00:02:44,600 --> 00:02:46,560 Speaker 1: out as well. You can see some of those behind 55 00:02:46,560 --> 00:02:48,519 Speaker 1: the scenes. And we always do that time laps. I 56 00:02:48,560 --> 00:02:50,639 Speaker 1: think people like that the time laps on the stories. 57 00:02:50,800 --> 00:02:53,120 Speaker 1: It's kind of like an inside window into your dining 58 00:02:53,200 --> 00:02:55,919 Speaker 1: room where we do the show. Right. So onto the 59 00:02:55,960 --> 00:02:59,480 Speaker 1: subject at hand. Matthew, my friend cutting college costs with 60 00:02:59,520 --> 00:03:02,280 Speaker 1: our money pro Cody Burman. And let's talk about Cody 61 00:03:02,320 --> 00:03:04,840 Speaker 1: real quick. So he is only twenty two years old. 62 00:03:05,040 --> 00:03:07,760 Speaker 1: Cody is such an interesting dude. He has already started 63 00:03:07,800 --> 00:03:10,720 Speaker 1: a company that makes disc golf disc I was gonna say, 64 00:03:10,720 --> 00:03:12,600 Speaker 1: not just any company, but a company that's close to 65 00:03:12,639 --> 00:03:15,799 Speaker 1: your heart. Man, Oh my gosh. We recently celebrated your birthday. 66 00:03:15,880 --> 00:03:17,680 Speaker 1: We went out and through some some disc golfs at 67 00:03:17,720 --> 00:03:20,400 Speaker 1: a local course, and yeah, that's what Cody does. He 68 00:03:20,440 --> 00:03:23,480 Speaker 1: makes disks for people that play disc golf. So I'm 69 00:03:23,560 --> 00:03:25,320 Speaker 1: still honestly waiting for him to send me a couple 70 00:03:25,320 --> 00:03:27,880 Speaker 1: of second trimemout, like really want to see how his 71 00:03:28,000 --> 00:03:30,680 Speaker 1: discs fly. But he started, he started his own company. 72 00:03:31,000 --> 00:03:32,639 Speaker 1: He feels like there's a place in the market for 73 00:03:32,720 --> 00:03:34,880 Speaker 1: a new, upstart disc company, and so I think that's 74 00:03:34,920 --> 00:03:37,360 Speaker 1: really cool. He's been doing that for over a year now. 75 00:03:37,480 --> 00:03:40,440 Speaker 1: He just quit his corporate banking job at the age 76 00:03:40,480 --> 00:03:44,440 Speaker 1: of twenty two to pursue entrepreneurship full time. He's got 77 00:03:44,520 --> 00:03:47,040 Speaker 1: a website where he writes about finance, he's got a 78 00:03:47,200 --> 00:03:50,160 Speaker 1: podcast where he talks about finance, and he's so involved 79 00:03:50,240 --> 00:03:53,360 Speaker 1: in the financial independence community. I mean, he's he's become 80 00:03:53,400 --> 00:03:55,960 Speaker 1: a staple there quickly, already at his young age. So 81 00:03:56,040 --> 00:03:57,839 Speaker 1: he felt like we had to have him on the show, 82 00:03:58,200 --> 00:04:01,080 Speaker 1: and specifically since he is so young and recently out 83 00:04:01,120 --> 00:04:02,880 Speaker 1: of college, to kind of talk about how he was 84 00:04:02,920 --> 00:04:04,600 Speaker 1: able to go to college and pay less money doing 85 00:04:04,640 --> 00:04:06,400 Speaker 1: it edule And that's one of the things I love 86 00:04:06,400 --> 00:04:10,520 Speaker 1: about Cody is that he has actual experience. He's been 87 00:04:10,600 --> 00:04:13,480 Speaker 1: there in college not that long ago. He has found 88 00:04:13,520 --> 00:04:16,760 Speaker 1: ways to reduce the expenses associated with college. And you know, 89 00:04:16,880 --> 00:04:19,720 Speaker 1: that's a huge problem that people are paying so much 90 00:04:19,760 --> 00:04:21,960 Speaker 1: for college. High school grads these days are choosing a 91 00:04:22,040 --> 00:04:25,440 Speaker 1: school based on, you know, lots of different factors, but money, honestly, 92 00:04:25,960 --> 00:04:28,760 Speaker 1: is just usually a low end consideration. And that's just 93 00:04:28,880 --> 00:04:31,600 Speaker 1: because you can just borrow to go wherever you want 94 00:04:31,600 --> 00:04:34,920 Speaker 1: to go, but be aware of borrowing from your future self. 95 00:04:35,080 --> 00:04:38,279 Speaker 1: These payments associated with student loans can be as large 96 00:04:38,279 --> 00:04:40,640 Speaker 1: as a mortgage payment on a house. So if you 97 00:04:40,720 --> 00:04:43,080 Speaker 1: are in school, or maybe you're considering going back to school, 98 00:04:43,760 --> 00:04:46,360 Speaker 1: or you have kids that might be going to college soon, 99 00:04:46,640 --> 00:04:49,040 Speaker 1: we are gonna discuss some things to consider when it 100 00:04:49,120 --> 00:04:51,800 Speaker 1: comes to cutting your college costs. Yeah, so our money 101 00:04:51,800 --> 00:04:54,039 Speaker 1: Pro episodes. Here's how they work. The last two weeks 102 00:04:54,120 --> 00:04:56,600 Speaker 1: we've had someone actually on in an interview style format 103 00:04:56,800 --> 00:04:59,200 Speaker 1: that's not typically how Matt and I do these do 104 00:04:59,360 --> 00:05:02,400 Speaker 1: these episodes. We like to invite our friends to give 105 00:05:02,480 --> 00:05:05,880 Speaker 1: us five minutes of distilled wisdom on a particular topic. 106 00:05:06,000 --> 00:05:08,039 Speaker 1: And so that's what we've done here. Cody has given 107 00:05:08,160 --> 00:05:10,760 Speaker 1: us five minutes of awesome wisdom when it comes to 108 00:05:10,839 --> 00:05:13,680 Speaker 1: cutting college costs. Matt and I have a lot of 109 00:05:13,760 --> 00:05:16,320 Speaker 1: fun kind of unpacking after we bring on our money 110 00:05:16,400 --> 00:05:20,120 Speaker 1: pro but let's hear Cody's five minutes first, right now. Yeah, 111 00:05:20,160 --> 00:05:22,320 Speaker 1: what's up guys, and thanks for having me on. So 112 00:05:22,440 --> 00:05:27,040 Speaker 1: today I'm drinking some of massachusetts finest called Mr. Boston's vodka. 113 00:05:27,200 --> 00:05:30,920 Speaker 1: It is a handle and it is absolutely spectacular. So 114 00:05:31,360 --> 00:05:33,960 Speaker 1: my word to describe it is polish. But what I 115 00:05:34,040 --> 00:05:35,720 Speaker 1: really want to talk to you about today is how 116 00:05:35,800 --> 00:05:37,960 Speaker 1: to hack college? So how can you go to college 117 00:05:38,000 --> 00:05:41,480 Speaker 1: for the cheapest price possible? Now, just for some context, 118 00:05:41,600 --> 00:05:43,680 Speaker 1: I'm twenty two years old, so I am fresh out 119 00:05:43,720 --> 00:05:46,360 Speaker 1: of this arena. I know all the latest tips, tricks, 120 00:05:46,440 --> 00:05:49,240 Speaker 1: just ways to cut money on college. And although I 121 00:05:49,320 --> 00:05:51,280 Speaker 1: did pretty good at cutting my costs, I could have 122 00:05:51,360 --> 00:05:53,280 Speaker 1: done a lot better if I knew all the things 123 00:05:53,320 --> 00:05:55,760 Speaker 1: I knew now. So I want to start with back 124 00:05:55,800 --> 00:05:58,360 Speaker 1: in high school. If you have a son, a daughter, 125 00:05:58,520 --> 00:06:00,640 Speaker 1: or maybe you're someone really young listening into this podcast, 126 00:06:00,720 --> 00:06:03,000 Speaker 1: good for you. If you're that person, you need to 127 00:06:03,040 --> 00:06:06,640 Speaker 1: be taking advantage of AP and CLIP exams. And basically 128 00:06:06,760 --> 00:06:10,760 Speaker 1: what these exams are, they're subjects specific exams. So for example, 129 00:06:10,800 --> 00:06:12,840 Speaker 1: you could take AP calculus, or you could take a 130 00:06:12,880 --> 00:06:16,080 Speaker 1: CLUP exam in biology, and it's all these subjects specific 131 00:06:16,160 --> 00:06:18,680 Speaker 1: courses that if you pass the test with a high 132 00:06:18,720 --> 00:06:21,120 Speaker 1: enough score, you can just completely opt out of that 133 00:06:21,200 --> 00:06:23,880 Speaker 1: course for college. So let's just assume you go to 134 00:06:23,920 --> 00:06:26,200 Speaker 1: the average college. I mean, even if you're going to 135 00:06:26,320 --> 00:06:29,000 Speaker 1: a community college, you're still saving a couple grand a 136 00:06:29,080 --> 00:06:31,719 Speaker 1: class by passing out of these AP and CLUP exams. 137 00:06:31,920 --> 00:06:34,480 Speaker 1: So that's my number one tip. Search and find out 138 00:06:34,560 --> 00:06:36,960 Speaker 1: does the school offer these AP and CLIP exams, and 139 00:06:37,040 --> 00:06:39,280 Speaker 1: go take as many as you possibly can. Some of 140 00:06:39,320 --> 00:06:41,680 Speaker 1: them are self study and other ones you'll be taught 141 00:06:41,760 --> 00:06:44,520 Speaker 1: in class with a teacher. So the next thing I 142 00:06:44,560 --> 00:06:46,680 Speaker 1: want to touch on is dual enrollment. And this is 143 00:06:46,760 --> 00:06:49,240 Speaker 1: while you're either a junior or a senior in high school, 144 00:06:49,480 --> 00:06:52,120 Speaker 1: you can actually enroll in college courses just with the 145 00:06:52,160 --> 00:06:54,480 Speaker 1: rest of the other college students and get credit for that. 146 00:06:55,040 --> 00:06:57,160 Speaker 1: So instead of taking these high school credits, instead of 147 00:06:57,200 --> 00:06:59,320 Speaker 1: taking JIM for the fourth time, you can go take 148 00:06:59,480 --> 00:07:01,360 Speaker 1: a college level of course and get credit for it. 149 00:07:01,960 --> 00:07:04,600 Speaker 1: And this can seriously reduce your costs and just eliminate 150 00:07:04,640 --> 00:07:07,240 Speaker 1: the need for all these general education courses that you 151 00:07:07,320 --> 00:07:09,960 Speaker 1: might not even be that interested in. And so those 152 00:07:10,000 --> 00:07:11,920 Speaker 1: are some awesome ways to get credit. But now I 153 00:07:11,960 --> 00:07:13,440 Speaker 1: want to talk a little bit more about how to 154 00:07:13,560 --> 00:07:16,760 Speaker 1: save money. So what was huge for me was applying 155 00:07:16,800 --> 00:07:20,280 Speaker 1: to tons and tons of scholarships and grants. Now I 156 00:07:20,440 --> 00:07:22,880 Speaker 1: literally applied to probably between a hundred and a hundred 157 00:07:22,880 --> 00:07:25,600 Speaker 1: and twenties scholarships. You think I wrote d twenty essays, 158 00:07:26,160 --> 00:07:29,680 Speaker 1: Absolutely not. Ain't nobody got time for that. So what 159 00:07:29,800 --> 00:07:31,760 Speaker 1: I did was I built out a few templates, like 160 00:07:31,880 --> 00:07:34,960 Speaker 1: six to eight templates. Most of these scholarship essays are 161 00:07:34,960 --> 00:07:36,920 Speaker 1: going to have the same prompts or at least like 162 00:07:36,960 --> 00:07:39,400 Speaker 1: along the same lines like what are your career goals? 163 00:07:39,480 --> 00:07:41,800 Speaker 1: Or why are you studying this? Or you get the point. 164 00:07:42,080 --> 00:07:43,920 Speaker 1: So if you can build out these templates and then 165 00:07:44,000 --> 00:07:46,520 Speaker 1: make tweaks every time you have a new scholarship application, 166 00:07:46,960 --> 00:07:49,560 Speaker 1: you can drastically reduce the time it takes you to 167 00:07:49,640 --> 00:07:51,920 Speaker 1: apply to the scholarship, and you can apply to so 168 00:07:52,160 --> 00:07:54,960 Speaker 1: many more and just by the law of large numbers, 169 00:07:55,280 --> 00:07:57,280 Speaker 1: you're bound to get a scholarship or two, which could 170 00:07:57,280 --> 00:07:59,520 Speaker 1: add up to thousands of dollars. And some of these 171 00:07:59,560 --> 00:08:02,920 Speaker 1: scholarship so are recurring, and these scholarships don't just have 172 00:08:03,040 --> 00:08:05,040 Speaker 1: to be obtained in high school. You can actually keep 173 00:08:05,080 --> 00:08:08,880 Speaker 1: applying to scholarships every year while you're in college. And 174 00:08:09,000 --> 00:08:11,560 Speaker 1: on that same thread, while you're in college. Some other 175 00:08:11,680 --> 00:08:13,720 Speaker 1: great ways to save on costs is to work for 176 00:08:13,800 --> 00:08:17,360 Speaker 1: the university, get an on campus job, become a resident assistant. 177 00:08:18,280 --> 00:08:20,880 Speaker 1: If you're able to drastically reduce your cost of living, 178 00:08:21,000 --> 00:08:24,280 Speaker 1: this can pay huge dividends down the road. At my school, 179 00:08:24,320 --> 00:08:26,480 Speaker 1: it was nearly ten grand a year just for on 180 00:08:26,640 --> 00:08:29,480 Speaker 1: campus housing costs. As an r A, you pay nothing 181 00:08:29,560 --> 00:08:32,439 Speaker 1: and you actually get paid on top of that. And additionally, 182 00:08:32,520 --> 00:08:35,400 Speaker 1: there's all these other sorts of on campus work study jobs, 183 00:08:35,440 --> 00:08:37,800 Speaker 1: Like I was a t A for six semesters that 184 00:08:37,920 --> 00:08:39,760 Speaker 1: earned me a huge amount of money that I could 185 00:08:39,800 --> 00:08:42,160 Speaker 1: put towards living expenses, that I could put towards tuition, 186 00:08:42,400 --> 00:08:45,160 Speaker 1: that I could put towards other school related things. And 187 00:08:45,240 --> 00:08:47,480 Speaker 1: another crazy thing that you could consider is to do 188 00:08:47,559 --> 00:08:50,160 Speaker 1: a co op. So basically a company will pay you 189 00:08:50,320 --> 00:08:52,719 Speaker 1: to work there for say six months or a year 190 00:08:52,880 --> 00:08:55,439 Speaker 1: instead of doing a semester or two. You get paid, 191 00:08:55,640 --> 00:08:58,760 Speaker 1: and you also get awesome on the job experience. So 192 00:08:58,920 --> 00:09:01,040 Speaker 1: definitely go check with your rear office and see if 193 00:09:01,040 --> 00:09:03,040 Speaker 1: there are any of these on campus or co op 194 00:09:03,120 --> 00:09:06,720 Speaker 1: type positions available. And although I didn't take this throughout myself, 195 00:09:06,880 --> 00:09:08,720 Speaker 1: I think I'd be doing you guys a disservice if 196 00:09:08,760 --> 00:09:11,240 Speaker 1: I didn't mention the military, because I had friends who 197 00:09:11,280 --> 00:09:14,640 Speaker 1: went to school for absolutely free by signing a contract 198 00:09:14,720 --> 00:09:17,360 Speaker 1: and joining the Armed forces. So although it's no joke, 199 00:09:17,480 --> 00:09:19,840 Speaker 1: it's not to be taken lightly, and you are signing 200 00:09:19,840 --> 00:09:21,640 Speaker 1: a way a few years your life. You can go 201 00:09:21,720 --> 00:09:26,120 Speaker 1: to college for completely free, zero dollars. And what I 202 00:09:26,200 --> 00:09:28,920 Speaker 1: really want to end on here is that college doesn't 203 00:09:29,000 --> 00:09:32,120 Speaker 1: have to be for everyone. There are so many other 204 00:09:32,240 --> 00:09:34,559 Speaker 1: ways to make money and so many other options in 205 00:09:35,760 --> 00:09:38,439 Speaker 1: You don't need to get this traditional four year bachelor degree. 206 00:09:38,720 --> 00:09:41,240 Speaker 1: You can get a certification in coding, you can become 207 00:09:41,240 --> 00:09:44,280 Speaker 1: an apprentice in the trade. College is not the only 208 00:09:44,360 --> 00:09:46,559 Speaker 1: path to a six figure income, And if you're listening 209 00:09:46,600 --> 00:09:49,559 Speaker 1: to a podcast like this, you probably have some financial 210 00:09:49,600 --> 00:09:52,240 Speaker 1: wherewithal So all I'm trying to say is just weigh 211 00:09:52,280 --> 00:09:54,720 Speaker 1: out your choices, see the options that are in front 212 00:09:54,760 --> 00:09:57,079 Speaker 1: of you, and make sure it's worth it before you 213 00:09:57,160 --> 00:09:59,400 Speaker 1: go to college. But if it is worth it, make 214 00:09:59,440 --> 00:10:02,280 Speaker 1: sure to use all these money saving tips. Alright, So 215 00:10:02,400 --> 00:10:04,160 Speaker 1: the word I used at the beginning of the episode 216 00:10:04,280 --> 00:10:08,959 Speaker 1: was polish and polish because this literally tastes like shoe polish. 217 00:10:09,520 --> 00:10:11,319 Speaker 1: I'll definitely have to send you guys out a bottle 218 00:10:11,360 --> 00:10:14,800 Speaker 1: of good old Mr Boston's. Thanks again, all right, Joel, 219 00:10:14,920 --> 00:10:18,880 Speaker 1: Mr Boston's frugal or cheap? What do you think? Man, Cody? 220 00:10:19,360 --> 00:10:22,319 Speaker 1: I love you, but that's a terrible life choice right there. Okay, 221 00:10:22,679 --> 00:10:24,280 Speaker 1: I think you've made good choices when it comes to 222 00:10:24,320 --> 00:10:26,679 Speaker 1: saving money on college, but bad choices when it comes 223 00:10:26,720 --> 00:10:28,840 Speaker 1: to what you put in your body, and especially when 224 00:10:28,880 --> 00:10:32,640 Speaker 1: he lives in Massachusetts, which has just some phenomenal beer choices. 225 00:10:32,920 --> 00:10:34,640 Speaker 1: But we're gonna get to all the rest that Cody 226 00:10:34,679 --> 00:10:45,120 Speaker 1: had to say right after this break. All right, Matt, 227 00:10:45,160 --> 00:10:48,520 Speaker 1: we're back, and socimically, for high schoolers in parents of 228 00:10:48,600 --> 00:10:51,880 Speaker 1: high schoolers, it's important to consider taking a p classes 229 00:10:52,240 --> 00:10:56,000 Speaker 1: and then taking clip exams. That's not necessarily a tip, 230 00:10:56,240 --> 00:10:58,719 Speaker 1: that's under a rock, right, that's hiding that's not in 231 00:10:58,760 --> 00:11:01,120 Speaker 1: plain type to a certain extent for for parents, but 232 00:11:01,240 --> 00:11:03,840 Speaker 1: just to prioritize that because at the end of taking 233 00:11:03,960 --> 00:11:06,560 Speaker 1: an AP class in high school, you can take an 234 00:11:06,559 --> 00:11:10,160 Speaker 1: a P exam, which is incredibly inexpensive, and for each 235 00:11:10,280 --> 00:11:12,880 Speaker 1: exam that you get a passing grade on most colleges 236 00:11:13,000 --> 00:11:16,760 Speaker 1: except that passing grade as having passed that class in 237 00:11:17,000 --> 00:11:19,920 Speaker 1: in college, and so you don't have to waste your time, 238 00:11:20,280 --> 00:11:23,000 Speaker 1: much less your money in paying to take that class 239 00:11:23,200 --> 00:11:25,360 Speaker 1: when you move on to your school of choice. And 240 00:11:25,520 --> 00:11:27,520 Speaker 1: I think that's really cool. I think it's a great point, 241 00:11:27,880 --> 00:11:30,360 Speaker 1: and I think that students and parents alike should think 242 00:11:30,360 --> 00:11:33,959 Speaker 1: about taking more AP classes, not just because it reflects 243 00:11:34,000 --> 00:11:36,199 Speaker 1: better on your g p A or you feel like 244 00:11:36,280 --> 00:11:38,640 Speaker 1: maybe you even learn more, which which I think is 245 00:11:38,679 --> 00:11:41,400 Speaker 1: true typically in AP classes, but also because of the 246 00:11:41,480 --> 00:11:44,360 Speaker 1: way it helps you in cutting college costs. Yeah, Cody, 247 00:11:44,440 --> 00:11:46,280 Speaker 1: he mentioned that with AP exams, like you're looking at 248 00:11:46,320 --> 00:11:49,120 Speaker 1: close to like two thousand dollars per course if you 249 00:11:49,200 --> 00:11:51,320 Speaker 1: were to pass that exam. Joel, did you take any 250 00:11:51,480 --> 00:11:53,880 Speaker 1: AP exams leading up to college? Yeah, I sure did. 251 00:11:53,920 --> 00:11:55,720 Speaker 1: I took a I took a couple and I did. 252 00:11:55,840 --> 00:11:57,719 Speaker 1: I only did well on one and I'm pretty sure 253 00:11:57,720 --> 00:12:01,240 Speaker 1: that was AP Spanish if I remember correctly, but I forget, 254 00:12:01,600 --> 00:12:06,280 Speaker 1: but see Yolo Espanol Lloyd Bueno. Wait not not really, 255 00:12:06,480 --> 00:12:08,719 Speaker 1: I'm not very good anymore. But yeah, that was that 256 00:12:08,800 --> 00:12:11,560 Speaker 1: was helpful, and and those were actually really fun courses. 257 00:12:11,640 --> 00:12:13,600 Speaker 1: I felt like, well, they're they're fun, but they're really hard, 258 00:12:13,800 --> 00:12:16,440 Speaker 1: right completely. The other thing worth mentioning here is Cody's 259 00:12:16,440 --> 00:12:19,199 Speaker 1: a really smart guy. I feel like we're fairly smart. 260 00:12:19,360 --> 00:12:22,000 Speaker 1: But however, like you can't just show up and take 261 00:12:22,040 --> 00:12:24,240 Speaker 1: these like you need to make sure that you're fairly proficient. 262 00:12:24,720 --> 00:12:26,560 Speaker 1: The same thing with the clip exams. He mentioned those, 263 00:12:26,760 --> 00:12:28,800 Speaker 1: and you know, and if you can clip fifteen hours 264 00:12:29,280 --> 00:12:31,840 Speaker 1: on average, you can save about five thousand dollars per 265 00:12:31,960 --> 00:12:35,000 Speaker 1: public college that you attend, and you're looking at about 266 00:12:35,080 --> 00:12:37,040 Speaker 1: seventeen tho dollars and savings if you go to a 267 00:12:37,120 --> 00:12:40,040 Speaker 1: private school. Pretty much what those numbers equate to is 268 00:12:40,240 --> 00:12:43,160 Speaker 1: a full semester right at a college, because fifteen hours 269 00:12:43,360 --> 00:12:46,640 Speaker 1: is essentially one full time semester. And so yeah, you 270 00:12:46,679 --> 00:12:48,280 Speaker 1: can save a lot of money. A clip exam is 271 00:12:48,320 --> 00:12:50,199 Speaker 1: something that you don't need to take a class for 272 00:12:50,360 --> 00:12:52,679 Speaker 1: but like Matt just said, you need to be super prepared. 273 00:12:53,040 --> 00:12:56,640 Speaker 1: But if you feel like you know biology really really well, well, 274 00:12:56,760 --> 00:12:59,000 Speaker 1: it's worth looking into taking a clip exam for that. 275 00:12:59,360 --> 00:13:01,880 Speaker 1: If you study really hard take that test, you can 276 00:13:02,240 --> 00:13:04,559 Speaker 1: avoid having to take that class in college and not 277 00:13:04,720 --> 00:13:06,760 Speaker 1: just having to spend the time to do it, like 278 00:13:06,920 --> 00:13:09,600 Speaker 1: we said, And each class that you can avoid taking 279 00:13:09,640 --> 00:13:13,280 Speaker 1: in college equates to real dollars that you're saving schedule, 280 00:13:13,320 --> 00:13:15,120 Speaker 1: and these are all tips. Right if you're still in 281 00:13:15,200 --> 00:13:17,360 Speaker 1: high school, or if you have a student, a child 282 00:13:17,400 --> 00:13:19,640 Speaker 1: who is still in high school, and you know, it's 283 00:13:19,679 --> 00:13:22,560 Speaker 1: worth mentioning that you need to have conversations about money 284 00:13:22,720 --> 00:13:25,160 Speaker 1: and how much you know, if your parents, how much 285 00:13:25,160 --> 00:13:28,680 Speaker 1: you're willing to spend towards your child's education in the future, 286 00:13:29,120 --> 00:13:30,920 Speaker 1: or you know, if you're a student, if your future 287 00:13:31,000 --> 00:13:33,800 Speaker 1: college attendee, how much you're going to be responsible for 288 00:13:34,040 --> 00:13:36,560 Speaker 1: because a lot of that is going to be your motivation, 289 00:13:36,760 --> 00:13:39,520 Speaker 1: That is your why behind why you take these exams 290 00:13:39,559 --> 00:13:42,800 Speaker 1: and why you take these ap courses. If you know that, man, 291 00:13:42,960 --> 00:13:44,559 Speaker 1: a lot of this is going to fall on you 292 00:13:44,840 --> 00:13:47,280 Speaker 1: as a student when it comes to fund your college career, 293 00:13:47,640 --> 00:13:49,800 Speaker 1: then I think that might light a fire under someone 294 00:13:50,000 --> 00:13:52,000 Speaker 1: if they know that they're gonna be responsible for it, right, 295 00:13:52,120 --> 00:13:53,800 Speaker 1: versus if they know that, Okay, I've got a certain 296 00:13:53,800 --> 00:13:56,200 Speaker 1: amount of money set aside, and who knows, maybe that's 297 00:13:56,240 --> 00:13:59,199 Speaker 1: even more motivation for them because perhaps if they get 298 00:13:59,240 --> 00:14:01,800 Speaker 1: these college credits out of the way, that's money that 299 00:14:01,920 --> 00:14:03,480 Speaker 1: that will end up in their pocket. Yeah, that's a 300 00:14:03,520 --> 00:14:06,000 Speaker 1: good point, Matt. I feel like too, as parents, you 301 00:14:06,080 --> 00:14:09,240 Speaker 1: can really incentivize your good student to to take some 302 00:14:09,360 --> 00:14:11,400 Speaker 1: of these tests that they might otherwise not be interested in. 303 00:14:11,800 --> 00:14:13,679 Speaker 1: Maybe you have a smart kid that just doesn't want 304 00:14:13,679 --> 00:14:15,480 Speaker 1: to do the extra work to take an AP class, 305 00:14:15,920 --> 00:14:18,120 Speaker 1: doesn't want to study and take a clip exam on 306 00:14:18,160 --> 00:14:20,960 Speaker 1: a Saturday, you know, whatever it is, but apparent knowing 307 00:14:21,000 --> 00:14:23,560 Speaker 1: how much money they can, say paying for their kids 308 00:14:23,640 --> 00:14:26,400 Speaker 1: college or how much less in student loans their kid 309 00:14:26,520 --> 00:14:28,240 Speaker 1: is gonna have to take out, I feel like they're 310 00:14:28,280 --> 00:14:31,400 Speaker 1: little incentives you can put in place to encourage your 311 00:14:31,520 --> 00:14:34,200 Speaker 1: kid to take the AP class, to consider taking a 312 00:14:34,240 --> 00:14:36,600 Speaker 1: clip exam. And that's just a good thing to think about, Like, 313 00:14:36,680 --> 00:14:38,400 Speaker 1: how can I get my kid interested in doing this 314 00:14:38,960 --> 00:14:41,760 Speaker 1: for my sake and for for their sake? Right? Yeah, 315 00:14:41,760 --> 00:14:43,320 Speaker 1: And I think a lot of it does fall under 316 00:14:43,360 --> 00:14:44,800 Speaker 1: the parent. Like I mentioned that maybe it's up to 317 00:14:44,840 --> 00:14:46,240 Speaker 1: the student to kind of figure some of this out, 318 00:14:46,320 --> 00:14:48,760 Speaker 1: but fact isn't. I think there's very few students who 319 00:14:48,760 --> 00:14:51,120 Speaker 1: are going to be self motivated enough and to make 320 00:14:51,200 --> 00:14:54,600 Speaker 1: that connection with Okay, sure, like I can take the 321 00:14:54,640 --> 00:14:56,880 Speaker 1: AP class now and that equals credit down the road, 322 00:14:56,920 --> 00:14:58,880 Speaker 1: but like, what does that actually mean to that student? Like, 323 00:14:58,960 --> 00:15:00,840 Speaker 1: not very much. With meant for me when I was 324 00:15:00,880 --> 00:15:03,400 Speaker 1: taking a P classes in high school was that that 325 00:15:03,520 --> 00:15:04,840 Speaker 1: was just less time I could hang out, and so 326 00:15:04,880 --> 00:15:07,480 Speaker 1: it kind of sucked. There wasn't a ton of connection 327 00:15:07,560 --> 00:15:10,560 Speaker 1: between taking this class now means more money in your 328 00:15:10,600 --> 00:15:13,800 Speaker 1: pocket down the road. I think making that connection truly 329 00:15:13,840 --> 00:15:16,160 Speaker 1: does fall on the parent. Yeah, we're talking about sixteen 330 00:15:16,240 --> 00:15:21,560 Speaker 1: seventeen year old kids who don't have fully developed frontal cortexics, right, 331 00:15:21,640 --> 00:15:23,600 Speaker 1: and so it really is so much of it is 332 00:15:23,600 --> 00:15:25,120 Speaker 1: going to be on the parents. You might have a 333 00:15:25,200 --> 00:15:28,000 Speaker 1: kid that is just incredible, a genius, and not just 334 00:15:28,080 --> 00:15:31,000 Speaker 1: a genius, but a self starter, and and that's really cool, 335 00:15:31,520 --> 00:15:35,200 Speaker 1: that's rare. Yeah, even a smart kid oftentimes needs a 336 00:15:35,240 --> 00:15:37,120 Speaker 1: little bit of push and they have a hard time 337 00:15:37,240 --> 00:15:39,880 Speaker 1: understanding the concept of a little bit of work now 338 00:15:40,040 --> 00:15:42,720 Speaker 1: saving a lot of heartache down the road, And so 339 00:15:42,840 --> 00:15:45,280 Speaker 1: I think apparent the little incentives they can provide along 340 00:15:45,280 --> 00:15:47,440 Speaker 1: the way can make a big difference in kind of 341 00:15:47,520 --> 00:15:50,360 Speaker 1: crushing some of these college costs, you know, before they 342 00:15:50,400 --> 00:15:52,440 Speaker 1: even get accrued and once you get to college. Another 343 00:15:52,560 --> 00:15:55,880 Speaker 1: note is taking more hours each semester. Cody didn't get 344 00:15:55,880 --> 00:15:57,360 Speaker 1: to this, but I wanted to mention that that the 345 00:15:57,400 --> 00:15:59,480 Speaker 1: more hours you're take in a semester, you can cut 346 00:15:59,600 --> 00:16:02,440 Speaker 1: a lot of costs that way. To most colleges consider 347 00:16:02,600 --> 00:16:05,400 Speaker 1: a full time student as having a twelve hour course load, 348 00:16:05,760 --> 00:16:07,800 Speaker 1: but you can take like twenty one hours if you 349 00:16:07,880 --> 00:16:10,640 Speaker 1: want in many colleges where they charged by the term 350 00:16:10,760 --> 00:16:12,760 Speaker 1: and not the credit hour. Matt, I don't know that you. 351 00:16:12,840 --> 00:16:15,240 Speaker 1: I remember being in college and I thought, oh, I'm 352 00:16:15,400 --> 00:16:18,600 Speaker 1: super busy taking a sixteen hour courseload. Now that I 353 00:16:18,760 --> 00:16:20,960 Speaker 1: live real life, I know that that wasn't really that 354 00:16:21,040 --> 00:16:24,240 Speaker 1: busy at all. And at one point I took nineteen 355 00:16:24,280 --> 00:16:26,440 Speaker 1: hours in a semester and I was able to handle 356 00:16:26,480 --> 00:16:29,440 Speaker 1: it with other obligations on the side. And so as 357 00:16:29,480 --> 00:16:32,440 Speaker 1: a parent, as someone who's getting their undergrad or even 358 00:16:32,600 --> 00:16:36,040 Speaker 1: attempting to get a graduate degree. Taking a larger course 359 00:16:36,160 --> 00:16:38,920 Speaker 1: load over a semester. Sure it can make things harder 360 00:16:39,000 --> 00:16:42,160 Speaker 1: when it comes to studying and and getting great grades, 361 00:16:42,480 --> 00:16:44,680 Speaker 1: but I feel like it is manageable for a lot 362 00:16:44,760 --> 00:16:47,520 Speaker 1: of kids to take more hours and still pay the 363 00:16:47,680 --> 00:16:50,240 Speaker 1: same rate because you're paying by the term and not 364 00:16:50,320 --> 00:16:53,080 Speaker 1: the credit hours. That's definitely something to look into. How 365 00:16:53,160 --> 00:16:55,560 Speaker 1: does your college bill and if they build by the 366 00:16:55,720 --> 00:16:59,480 Speaker 1: term and not the hour. Consider taking a heavier course load. 367 00:17:00,000 --> 00:17:02,600 Speaker 1: Maybe not every semester, maybe every other semester, but whatever 368 00:17:02,680 --> 00:17:06,000 Speaker 1: your specific approaches, taking a fuller course load and a 369 00:17:06,080 --> 00:17:09,960 Speaker 1: given semester can mean big savings. Man, Joel, that actually 370 00:17:09,960 --> 00:17:12,200 Speaker 1: reminds me of a semester where I did take a 371 00:17:12,240 --> 00:17:15,880 Speaker 1: twenty one hour course load. Yeah, made it happen. I did, 372 00:17:16,040 --> 00:17:18,800 Speaker 1: But I had to because I had a scholarship and 373 00:17:19,000 --> 00:17:20,720 Speaker 1: I had dropped a couple of courses at that point 374 00:17:20,760 --> 00:17:22,879 Speaker 1: in order to maintain my g p A, which was 375 00:17:22,960 --> 00:17:25,320 Speaker 1: the requirement. But then I had to make those courses 376 00:17:25,480 --> 00:17:27,800 Speaker 1: up before the end of the year. Kind of painted 377 00:17:27,800 --> 00:17:29,840 Speaker 1: myself into a corner. But yeah, I just buckled down 378 00:17:29,920 --> 00:17:32,639 Speaker 1: and made it happen. It's possible. It was not easy, 379 00:17:33,080 --> 00:17:34,560 Speaker 1: but that kind of leads to our next point. You know, 380 00:17:34,600 --> 00:17:36,800 Speaker 1: it was a public school and I got a great 381 00:17:36,840 --> 00:17:39,320 Speaker 1: scholarship that allowed me to go to school for free, 382 00:17:39,720 --> 00:17:42,000 Speaker 1: which was amazing. And there's a lot of options like 383 00:17:42,080 --> 00:17:44,440 Speaker 1: that out there for public and state schools. Keep that 384 00:17:44,480 --> 00:17:47,000 Speaker 1: in mind when you're considering colleges to attend. Private schools 385 00:17:47,040 --> 00:17:49,840 Speaker 1: are going to be much much more expensive. And Juelie, 386 00:17:49,840 --> 00:17:51,960 Speaker 1: you've got personal experience with this as well. Right, Yeah, 387 00:17:51,960 --> 00:17:53,560 Speaker 1: I went to a private school. I racked up some 388 00:17:53,600 --> 00:17:55,200 Speaker 1: student loans the first two years, and I think we 389 00:17:55,280 --> 00:17:58,000 Speaker 1: talked about this in the recent student loan episode. I 390 00:17:58,119 --> 00:18:00,800 Speaker 1: transferred back to a public cool in my home state 391 00:18:00,800 --> 00:18:03,240 Speaker 1: where I was able to qualify for free college because 392 00:18:03,280 --> 00:18:05,880 Speaker 1: of a state funded scholarship program, and I was glad 393 00:18:05,920 --> 00:18:07,480 Speaker 1: to do it. Man. That was that was that was 394 00:18:07,560 --> 00:18:10,040 Speaker 1: totally worth it. A lot of people, to Matt, would 395 00:18:10,040 --> 00:18:12,240 Speaker 1: be well served by going to a community college for 396 00:18:12,280 --> 00:18:14,480 Speaker 1: the first two years. If you have your heart set 397 00:18:14,600 --> 00:18:18,600 Speaker 1: ongoing and getting a degree from a specific educational institution, 398 00:18:18,920 --> 00:18:22,679 Speaker 1: whether it's public or private, going to a community college 399 00:18:22,760 --> 00:18:26,000 Speaker 1: first can help you get all those undergraduate credit hours 400 00:18:26,560 --> 00:18:29,480 Speaker 1: fulfilled and then you move on, right and you pay 401 00:18:29,520 --> 00:18:31,879 Speaker 1: the bigger bucks only the last two years of your 402 00:18:31,920 --> 00:18:34,880 Speaker 1: college experience as opposed to all four. And that's something 403 00:18:34,880 --> 00:18:37,040 Speaker 1: a lot of people just don't consider. They want the 404 00:18:37,160 --> 00:18:39,840 Speaker 1: full college experience all four years. But when it comes 405 00:18:39,880 --> 00:18:43,560 Speaker 1: to potentially saving ten, fifteen, twenty, or thirty thousand dollars, 406 00:18:43,800 --> 00:18:45,720 Speaker 1: it might be worth it to go to community college 407 00:18:45,800 --> 00:18:48,520 Speaker 1: for the first two and then moving on. And you 408 00:18:48,560 --> 00:18:50,600 Speaker 1: know what, the degree looks the same in the end 409 00:18:50,680 --> 00:18:54,080 Speaker 1: for for both kids, no matter which way. Use likes it. Yeah, Joe, 410 00:18:54,119 --> 00:18:56,879 Speaker 1: I love that. And also Cody mentioned to apply to, 411 00:18:57,040 --> 00:18:59,840 Speaker 1: you know, for tons of different scholarships and grants. This 412 00:19:00,200 --> 00:19:02,239 Speaker 1: comes as no surprise, like this is obviously a way 413 00:19:02,240 --> 00:19:03,760 Speaker 1: that you're gonna be able to save money. But what's 414 00:19:03,840 --> 00:19:06,239 Speaker 1: key and what's different about what Cody mentioned is how 415 00:19:06,320 --> 00:19:08,680 Speaker 1: he created different templates. And I think a lot of 416 00:19:08,720 --> 00:19:11,080 Speaker 1: folks might frown on that and think that seems kind 417 00:19:11,080 --> 00:19:14,119 Speaker 1: of cheap. But the way he's approaching applying for these 418 00:19:14,119 --> 00:19:16,560 Speaker 1: scholarships is like the way you would run a business. 419 00:19:16,760 --> 00:19:19,560 Speaker 1: You're trying to maximize the output by minimizing like the 420 00:19:19,600 --> 00:19:21,600 Speaker 1: amount of input, the amount of time that you're putting 421 00:19:21,640 --> 00:19:24,840 Speaker 1: into these different essays and just all the different things 422 00:19:24,960 --> 00:19:27,520 Speaker 1: these different scholarships require. And and what I'm saying though, 423 00:19:27,600 --> 00:19:29,120 Speaker 1: is is not that you send out the exact same 424 00:19:29,200 --> 00:19:31,359 Speaker 1: letter to to just all the different programs, but that 425 00:19:31,440 --> 00:19:34,000 Speaker 1: you try to find ways to be as efficient as possible. 426 00:19:34,080 --> 00:19:36,640 Speaker 1: You know, businesses do this, And from a financial standpoint, 427 00:19:36,680 --> 00:19:39,440 Speaker 1: I think it's really wise to consider your college career 428 00:19:39,640 --> 00:19:41,840 Speaker 1: just like you would a business. Yeah, Matt, And that's 429 00:19:41,880 --> 00:19:44,600 Speaker 1: because high school students their time is worth a little 430 00:19:44,600 --> 00:19:47,879 Speaker 1: bit less because of their lack of education and credentials, 431 00:19:48,359 --> 00:19:50,280 Speaker 1: and so it might be worth it to take one 432 00:19:50,359 --> 00:19:52,720 Speaker 1: less shift a week at your part time job and 433 00:19:52,800 --> 00:19:54,960 Speaker 1: focus a little bit more on kind of crushing the 434 00:19:55,200 --> 00:19:58,520 Speaker 1: scholarship game, because a little bit of time spent upfront 435 00:19:58,560 --> 00:20:01,560 Speaker 1: applying for these scholarships can have just a massive impact 436 00:20:01,640 --> 00:20:03,600 Speaker 1: on what you end up paying to go to school, 437 00:20:04,080 --> 00:20:06,560 Speaker 1: massively reducing the amount of student loans that you need 438 00:20:06,600 --> 00:20:08,680 Speaker 1: to take out. And one of the coolest things about 439 00:20:08,720 --> 00:20:10,920 Speaker 1: this too, like Cody said, is that some of these 440 00:20:10,920 --> 00:20:14,000 Speaker 1: scholarships that you can find are actually recurring as well, 441 00:20:14,400 --> 00:20:16,720 Speaker 1: So you can find a scholarship that not only pays 442 00:20:16,760 --> 00:20:19,720 Speaker 1: you a thousand or two thousand dollars a year to 443 00:20:19,880 --> 00:20:22,040 Speaker 1: go to school, but it might be a recurring one 444 00:20:22,119 --> 00:20:26,240 Speaker 1: that last freshman, sophomore, junior, and senior year only magnifying 445 00:20:26,320 --> 00:20:29,720 Speaker 1: the effect of that initial application. Man. And not only 446 00:20:29,800 --> 00:20:32,000 Speaker 1: are some of those scholarships recurring, right, but you can 447 00:20:32,080 --> 00:20:34,800 Speaker 1: apply for new scholarships even while you're in school, Like 448 00:20:35,040 --> 00:20:36,639 Speaker 1: when you're a senior in high school, that is not 449 00:20:36,800 --> 00:20:39,000 Speaker 1: the only time for you to apply for scholarships. Apply 450 00:20:39,080 --> 00:20:41,399 Speaker 1: also when you're a freshman, a sophomore, junior. What else 451 00:20:41,440 --> 00:20:43,879 Speaker 1: are you doing in the summer? Yeah, continual working, but 452 00:20:44,119 --> 00:20:46,880 Speaker 1: hopefully but continue to find ways, like like we said, 453 00:20:46,960 --> 00:20:49,320 Speaker 1: to optimize your time. If you know that you can 454 00:20:49,320 --> 00:20:51,520 Speaker 1: put in a few hours and find some awesome scholarships, 455 00:20:51,560 --> 00:20:55,320 Speaker 1: apply and potentially make thousands, I mean, that's gonna be 456 00:20:55,359 --> 00:20:57,240 Speaker 1: well with your time. And you can find these different 457 00:20:57,240 --> 00:20:59,480 Speaker 1: scholarships on different websites maybe that you've heard of like 458 00:20:59,560 --> 00:21:01,680 Speaker 1: fast Uh they're one of the biggest ones with you know, 459 00:21:01,800 --> 00:21:05,320 Speaker 1: over a million and a half different scholarships available and 460 00:21:05,600 --> 00:21:08,239 Speaker 1: college board dot org but also other ones as well 461 00:21:08,280 --> 00:21:11,320 Speaker 1: at Capex scholar cheg and you can check out the 462 00:21:11,400 --> 00:21:14,880 Speaker 1: Department of Labor. They've got a scholarship search tool as 463 00:21:14,960 --> 00:21:17,080 Speaker 1: well for you to find some of the great scholarships 464 00:21:17,160 --> 00:21:18,479 Speaker 1: for you. And I know we just kind of ran 465 00:21:18,520 --> 00:21:21,040 Speaker 1: through those super quick. Well, we'll have links in our 466 00:21:21,080 --> 00:21:23,080 Speaker 1: show notes on how to money dot Com with with 467 00:21:23,160 --> 00:21:25,520 Speaker 1: all of those there. Yeah, fast web has over three 468 00:21:25,600 --> 00:21:30,160 Speaker 1: point four billion dollars in funding available to students inside 469 00:21:30,240 --> 00:21:33,520 Speaker 1: of those one point five million scholarships, so that's cool. Yeah, 470 00:21:33,600 --> 00:21:38,000 Speaker 1: definitely don't forsake searching for scholarships. Another thing, as Cody mentioned, 471 00:21:38,040 --> 00:21:40,800 Speaker 1: don't forget to look for local scholarships. To make sure, 472 00:21:40,880 --> 00:21:43,080 Speaker 1: in particular that you ask your school counselor. They're going 473 00:21:43,119 --> 00:21:46,320 Speaker 1: to have access and knowledge about local scholarships that you 474 00:21:46,440 --> 00:21:49,720 Speaker 1: can't find on some of these national scholarship websites. It's 475 00:21:49,760 --> 00:21:52,120 Speaker 1: worth asking the question. Most kids aren't going to ask, 476 00:21:52,520 --> 00:21:54,840 Speaker 1: so ask the question and you might be surprised what 477 00:21:54,920 --> 00:21:57,320 Speaker 1: you find. Also, if you do have a part time 478 00:21:57,400 --> 00:21:59,399 Speaker 1: job Matt in high school, ask your employer if they 479 00:21:59,440 --> 00:22:02,240 Speaker 1: offer some of college scholarship. Where I worked in high school, 480 00:22:02,240 --> 00:22:04,640 Speaker 1: actually ended up getting a thousand dollars scholarship because I've 481 00:22:04,640 --> 00:22:06,159 Speaker 1: worked there for a few years and that was just 482 00:22:06,359 --> 00:22:09,080 Speaker 1: a nice little added bonus. As I was saying goodbye 483 00:22:09,119 --> 00:22:11,280 Speaker 1: and headed on my way to like learn a lot 484 00:22:11,359 --> 00:22:14,960 Speaker 1: of important stuff. That's what you do in college, and 485 00:22:15,160 --> 00:22:18,600 Speaker 1: also consider some needs based grants. There's more money out 486 00:22:18,600 --> 00:22:21,760 Speaker 1: there available for those of lesser financial means. You'll need 487 00:22:21,800 --> 00:22:24,120 Speaker 1: to fill out the FAFTSA form to know which ones 488 00:22:24,160 --> 00:22:27,159 Speaker 1: you actually qualify for. There's a great write up over 489 00:22:27,240 --> 00:22:29,200 Speaker 1: at nerd Wallet, and so in our show notes will 490 00:22:29,240 --> 00:22:31,800 Speaker 1: also put a link to that article as well. Yeah, 491 00:22:31,840 --> 00:22:34,479 Speaker 1: the FAFTSA essentially, no matter what you make, you need 492 00:22:34,520 --> 00:22:36,440 Speaker 1: to fill out the FAFTA. You have no idea what 493 00:22:36,560 --> 00:22:39,240 Speaker 1: you qualify for until you fill out that form. So 494 00:22:39,359 --> 00:22:42,399 Speaker 1: filling out the FACTSA, which stands for Free Application for 495 00:22:42,520 --> 00:22:45,720 Speaker 1: Federal Student Aid, is essentially one of the most important 496 00:22:45,760 --> 00:22:48,280 Speaker 1: steps that a student or family can take in order 497 00:22:48,359 --> 00:22:50,680 Speaker 1: to find ways to pay for college, and in particular 498 00:22:50,760 --> 00:22:53,600 Speaker 1: those grants. Right those grants. You have no idea which 499 00:22:53,600 --> 00:22:56,120 Speaker 1: grants are available to you until you fill out that form. 500 00:22:56,440 --> 00:22:59,120 Speaker 1: So if you want access to the tens of billions 501 00:22:59,200 --> 00:23:02,879 Speaker 1: of dollars in student grants and loans, the FATSA is 502 00:23:03,000 --> 00:23:05,640 Speaker 1: your first step. And I just can't overstate how important 503 00:23:05,680 --> 00:23:10,000 Speaker 1: that is in the process. And again that's billions. Still 504 00:23:10,040 --> 00:23:12,399 Speaker 1: didn't misspeak there, And I'm not like Dr Evil right, 505 00:23:12,520 --> 00:23:15,879 Speaker 1: like millions. There's I mean literally a hundred and twenty 506 00:23:16,040 --> 00:23:19,159 Speaker 1: billion dollars out there for grants and loans for for 507 00:23:19,280 --> 00:23:22,320 Speaker 1: student aid. There's money out there for higher education, and 508 00:23:22,359 --> 00:23:24,359 Speaker 1: so just please make sure that you're taking the steps 509 00:23:24,440 --> 00:23:26,880 Speaker 1: to see what you can qualify for Matt, I feel 510 00:23:26,880 --> 00:23:29,440 Speaker 1: like to use a sports reference, it's like taking the 511 00:23:29,600 --> 00:23:33,600 Speaker 1: slam dunk or the layoup when most people are are 512 00:23:33,600 --> 00:23:35,600 Speaker 1: shooting a half court shot or a three pointer, right, 513 00:23:35,640 --> 00:23:37,760 Speaker 1: and those are just much more difficult. You're gonna make 514 00:23:37,800 --> 00:23:41,040 Speaker 1: a far fewer percentage of shots from half court or 515 00:23:41,119 --> 00:23:43,280 Speaker 1: three point land than you are when you take a 516 00:23:43,359 --> 00:23:45,879 Speaker 1: layup or or attempt to slam dunk. Well, maybe the 517 00:23:45,880 --> 00:23:49,400 Speaker 1: slam dunk doesn't hard though for most people, slam dunks 518 00:23:49,400 --> 00:23:51,600 Speaker 1: are really hard. Okay I'm talking about NBA players. Okay, 519 00:23:51,720 --> 00:23:54,320 Speaker 1: most NBA players can make a slam dunk no problem, 520 00:23:54,520 --> 00:23:56,600 Speaker 1: take a layoup, no problem, right, But when it comes 521 00:23:56,640 --> 00:23:59,000 Speaker 1: to those other shots that are further away from the hoop, 522 00:23:59,200 --> 00:24:02,000 Speaker 1: it's just harder. And if you're not taking these layups, 523 00:24:02,040 --> 00:24:04,600 Speaker 1: if you're not taking the easy access by filling out 524 00:24:04,640 --> 00:24:07,840 Speaker 1: the FAFTSA and then applying to as many scholarships as 525 00:24:07,880 --> 00:24:10,159 Speaker 1: you can on these websites. You're not taking the layups. 526 00:24:10,400 --> 00:24:13,080 Speaker 1: There are easy options open to you when it comes 527 00:24:13,119 --> 00:24:16,119 Speaker 1: to getting money to help pay for college costs. And 528 00:24:16,359 --> 00:24:18,720 Speaker 1: and I just don't want people to miss the lay up. Yeah, Joe, 529 00:24:18,720 --> 00:24:20,840 Speaker 1: you don't want to miss that low hanging fruit. And 530 00:24:20,920 --> 00:24:22,680 Speaker 1: so right after the break, we're going to cover some 531 00:24:22,840 --> 00:24:25,400 Speaker 1: different ways and some simple ways to reduce the cost 532 00:24:25,480 --> 00:24:36,159 Speaker 1: of college. All right, Matt, let's get to one of 533 00:24:36,240 --> 00:24:39,119 Speaker 1: my favorite points that Cody made, and that is that 534 00:24:39,160 --> 00:24:41,840 Speaker 1: you should be working while you're in school, and let's 535 00:24:41,920 --> 00:24:44,800 Speaker 1: talk about how to do this most effectively. It might 536 00:24:44,840 --> 00:24:47,159 Speaker 1: not be best for you to get an off campus 537 00:24:47,280 --> 00:24:50,240 Speaker 1: job waiting tables. There are ways to get paid while 538 00:24:50,320 --> 00:24:53,359 Speaker 1: working on campus and getting paid better than you would 539 00:24:53,400 --> 00:24:56,160 Speaker 1: at an off campus job, and so are as Cody 540 00:24:56,200 --> 00:24:59,239 Speaker 1: mentioned often get free housing as well as they get 541 00:24:59,280 --> 00:25:02,200 Speaker 1: paid on the side a stipend. Right. I personally was 542 00:25:02,240 --> 00:25:04,520 Speaker 1: an r A in college as well. Cody said he 543 00:25:04,640 --> 00:25:07,680 Speaker 1: saved ten thousand dollars by being in r A, and 544 00:25:07,760 --> 00:25:10,960 Speaker 1: I'm not sure whether he saved that per year or total, 545 00:25:11,280 --> 00:25:14,000 Speaker 1: but I remember saving a bundle being in r A 546 00:25:14,200 --> 00:25:16,639 Speaker 1: because I was getting free on campus housing and at 547 00:25:16,680 --> 00:25:19,080 Speaker 1: the same time getting paid a stipend in order to 548 00:25:19,320 --> 00:25:21,640 Speaker 1: be in r A. Yeah, you're a double dipend man, 549 00:25:22,160 --> 00:25:25,080 Speaker 1: no doubt. And it was it was well worth my time. 550 00:25:25,520 --> 00:25:28,640 Speaker 1: Definitely kind of had some awkward and fun r A experiences, 551 00:25:28,920 --> 00:25:30,920 Speaker 1: but I feel like, not only did it save me money, 552 00:25:31,160 --> 00:25:32,960 Speaker 1: it was a really good thing to put on my 553 00:25:33,080 --> 00:25:36,920 Speaker 1: resume as I was applying for jobs. Employers want to 554 00:25:37,000 --> 00:25:39,639 Speaker 1: see that you took a little bit of responsibility, that 555 00:25:39,720 --> 00:25:43,000 Speaker 1: you had something on your plate besides just college courses. 556 00:25:43,200 --> 00:25:45,200 Speaker 1: Being in r A kind of hit that trifecta for me. 557 00:25:46,040 --> 00:25:48,160 Speaker 1: And so another option of working while you're in school 558 00:25:48,240 --> 00:25:51,200 Speaker 1: is to consider either co opting or an internship. Why 559 00:25:51,280 --> 00:25:53,600 Speaker 1: not get a company to pay you while you work 560 00:25:53,640 --> 00:25:56,600 Speaker 1: there while you're getting course credits. That's pretty amazing. So like, 561 00:25:56,720 --> 00:25:59,239 Speaker 1: this is a great experience for your resume while at 562 00:25:59,280 --> 00:26:02,399 Speaker 1: the same time saving money on your actual college costs. 563 00:26:02,440 --> 00:26:04,840 Speaker 1: I had friends who were in you know, technical schools 564 00:26:04,840 --> 00:26:08,480 Speaker 1: like Georgia Tech or a Clemson, and they're working and 565 00:26:08,600 --> 00:26:11,480 Speaker 1: actually getting paid, like getting paid real money versus like 566 00:26:11,560 --> 00:26:13,600 Speaker 1: the kind of crappy summer jobs that I was working 567 00:26:13,640 --> 00:26:16,240 Speaker 1: that we're paying very little, and at the same time, 568 00:26:16,320 --> 00:26:18,680 Speaker 1: man like you get a huge jump start on your career. 569 00:26:19,040 --> 00:26:21,119 Speaker 1: I remember thinking how towards like my later years in 570 00:26:21,160 --> 00:26:23,440 Speaker 1: college at the time, I sort of regretted not having 571 00:26:23,520 --> 00:26:26,120 Speaker 1: that that opportunity. I didn't pursue something that was more 572 00:26:26,280 --> 00:26:28,760 Speaker 1: sort of career focused. But with a co op, you 573 00:26:28,880 --> 00:26:31,080 Speaker 1: have that opportunity. You've gotten your foot in the door 574 00:26:31,200 --> 00:26:33,280 Speaker 1: at a company, and a lot of times after you've graduated, 575 00:26:33,320 --> 00:26:36,320 Speaker 1: assuming you've done a great job in previous summers or semesters, 576 00:26:36,640 --> 00:26:38,399 Speaker 1: you've got a full time job waiting on you right 577 00:26:38,400 --> 00:26:41,280 Speaker 1: after graduation. Yeah. I feel like that's just an awesome 578 00:26:41,320 --> 00:26:44,760 Speaker 1: tip and something that students should consider if you're in school. 579 00:26:45,200 --> 00:26:47,320 Speaker 1: Either a co op or an internship is a great idea, 580 00:26:47,600 --> 00:26:50,760 Speaker 1: and often you're able to get course credit for doing it. 581 00:26:50,800 --> 00:26:52,360 Speaker 1: At the same time, you might get up to six 582 00:26:52,480 --> 00:26:55,880 Speaker 1: hours of course credit, depending on how much your school allows. 583 00:26:56,320 --> 00:26:58,600 Speaker 1: And that is not only cutting the cost of college, 584 00:26:58,680 --> 00:27:01,840 Speaker 1: but building the resume experience. I did an internship while 585 00:27:01,960 --> 00:27:04,560 Speaker 1: I was in my senior year of college, and guess what, 586 00:27:04,720 --> 00:27:06,600 Speaker 1: the place where I did my internship, that's where I'm 587 00:27:06,640 --> 00:27:09,680 Speaker 1: working right now, And I did an unpaid internship that's 588 00:27:09,680 --> 00:27:12,480 Speaker 1: actually a rarity nowadays. Most internships are paid, so I 589 00:27:12,520 --> 00:27:14,520 Speaker 1: didn't get paid anything while doing it. But I've had 590 00:27:14,520 --> 00:27:16,639 Speaker 1: a job for twelve years because of it, and so 591 00:27:16,720 --> 00:27:20,440 Speaker 1: I can't understate the importance of of an internship. It 592 00:27:20,520 --> 00:27:23,280 Speaker 1: can be life changing for your resume, for the connections 593 00:27:23,320 --> 00:27:26,879 Speaker 1: you make, for for your networking in general, and on 594 00:27:27,040 --> 00:27:29,560 Speaker 1: top of that, it can reduce the overall costs that 595 00:27:29,600 --> 00:27:32,399 Speaker 1: you pay for college. So yeah, that these are definitely 596 00:27:32,440 --> 00:27:34,840 Speaker 1: things to take advantage of and real quick. Cody mentioned 597 00:27:34,880 --> 00:27:38,280 Speaker 1: working on campus. I did that as well. My work 598 00:27:38,400 --> 00:27:39,960 Speaker 1: was pretty chill, it was easy to get to, no 599 00:27:40,119 --> 00:27:44,119 Speaker 1: car required, And so finding an on campus job oftentimes 600 00:27:44,160 --> 00:27:46,760 Speaker 1: can pay better than an off campus job and it's 601 00:27:46,840 --> 00:27:49,000 Speaker 1: a lot easier for students to make happen. Man, that 602 00:27:49,000 --> 00:27:51,159 Speaker 1: reminds me of like one of the best on campus 603 00:27:51,280 --> 00:27:53,640 Speaker 1: jobs that you g a was you and I guess 604 00:27:54,040 --> 00:27:59,080 Speaker 1: food services now it was the bus drivers. EJ has 605 00:27:59,119 --> 00:28:02,840 Speaker 1: these massive, huge buses that drive all around campus, and 606 00:28:03,040 --> 00:28:05,639 Speaker 1: I specifically remember thinking, Man, I want to apply for 607 00:28:05,800 --> 00:28:07,760 Speaker 1: that job because I think they got paid like nineteen 608 00:28:07,760 --> 00:28:10,359 Speaker 1: dollars an hour, which at the time yeah, which at 609 00:28:10,359 --> 00:28:12,080 Speaker 1: the time was a huge amount of money. That's still 610 00:28:12,160 --> 00:28:14,399 Speaker 1: big money. Yeah, my goodness. But you had to have 611 00:28:14,480 --> 00:28:18,480 Speaker 1: a pretty clean driving record and yeah, I had recently 612 00:28:18,520 --> 00:28:21,359 Speaker 1: gotten a speeding ticket driving home one night over like 613 00:28:21,440 --> 00:28:25,440 Speaker 1: Christmas break, So it didn't work out. Cody also quickly 614 00:28:25,520 --> 00:28:28,560 Speaker 1: mentioned Matt the military option, and it's a worthwhile thing 615 00:28:28,640 --> 00:28:31,439 Speaker 1: for people to consider. Don't take it lightly because signing 616 00:28:31,520 --> 00:28:35,040 Speaker 1: up for military service is a long term consideration. And 617 00:28:35,160 --> 00:28:37,800 Speaker 1: you're giving part of your life to serve our country, 618 00:28:37,960 --> 00:28:40,280 Speaker 1: right and you and I, man, we are so thankful 619 00:28:40,640 --> 00:28:43,520 Speaker 1: to the people that listen that serve our country. It 620 00:28:43,680 --> 00:28:45,720 Speaker 1: is a huge commitment. It is a sacrifice not only 621 00:28:45,760 --> 00:28:48,440 Speaker 1: for the individual but for their family as well. And 622 00:28:48,520 --> 00:28:51,360 Speaker 1: there is an awesome benefit associated for for folks that 623 00:28:51,440 --> 00:28:53,920 Speaker 1: do serve, and that is the g I Bill, And 624 00:28:54,040 --> 00:28:56,320 Speaker 1: it is very helpful for folks that are in the 625 00:28:56,360 --> 00:28:58,680 Speaker 1: service to get their education paid for. And so, yeah, 626 00:28:58,720 --> 00:29:00,640 Speaker 1: I think it is worth mentioning. Then it's an option 627 00:29:00,720 --> 00:29:02,840 Speaker 1: out there. Yeah, And you know, don't forget two different 628 00:29:02,880 --> 00:29:07,400 Speaker 1: employers have different programs that will pay for your higher education. 629 00:29:07,760 --> 00:29:10,000 Speaker 1: Think of like Starbucks, like they have that program with 630 00:29:10,120 --> 00:29:14,000 Speaker 1: Arizona State University, go sound devils that that pays for 631 00:29:14,160 --> 00:29:16,320 Speaker 1: your undergrad and they see it through all the way 632 00:29:16,360 --> 00:29:19,080 Speaker 1: into graduations. So so check with your employer. There might 633 00:29:19,120 --> 00:29:21,600 Speaker 1: be programs already in place. Just like with these grants 634 00:29:21,640 --> 00:29:24,440 Speaker 1: and scholarships, there's free money, there's opportunity. They're waiting for 635 00:29:24,520 --> 00:29:27,480 Speaker 1: you to cover the cost of school. Yeah, my employer 636 00:29:27,560 --> 00:29:30,760 Speaker 1: offers some really cool benefits. My employer will chip in 637 00:29:30,920 --> 00:29:33,000 Speaker 1: just a small amount if I get solar panels on 638 00:29:33,080 --> 00:29:35,680 Speaker 1: my home, they will help cover the costs of adoption. 639 00:29:36,040 --> 00:29:39,040 Speaker 1: They offer a small extra discount on myself phone bill 640 00:29:39,080 --> 00:29:41,680 Speaker 1: every month. I'm not sure if we have any sort 641 00:29:41,720 --> 00:29:44,280 Speaker 1: of benefits for going back to school because I'm just 642 00:29:44,400 --> 00:29:46,880 Speaker 1: not interested in it right now. I haven't taken a look, 643 00:29:47,200 --> 00:29:49,440 Speaker 1: but considering the benefits that are currently available, but I 644 00:29:49,520 --> 00:29:51,800 Speaker 1: know about I bet there is something. And so if 645 00:29:51,800 --> 00:29:53,800 Speaker 1: you're at an employer right now, you should take a look, 646 00:29:54,000 --> 00:29:56,800 Speaker 1: ask some questions and see what's available. And if you're 647 00:29:56,800 --> 00:29:59,120 Speaker 1: thinking about changing jobs or getting a new job and 648 00:29:59,160 --> 00:30:00,440 Speaker 1: you want to go back to schoo cool at the 649 00:30:00,520 --> 00:30:04,640 Speaker 1: same time, consider seeking employment with a company that offers 650 00:30:04,760 --> 00:30:08,640 Speaker 1: tuition reimbursement or has a program like Starbucks offers that's 651 00:30:08,640 --> 00:30:10,560 Speaker 1: just kind of an easy way to help cut the 652 00:30:10,640 --> 00:30:12,479 Speaker 1: cost of college that a lot of people don't think 653 00:30:12,480 --> 00:30:15,200 Speaker 1: about very often. And keep in mind to that college 654 00:30:15,200 --> 00:30:17,680 Speaker 1: doesn't have to be for everyone. You know, you can 655 00:30:17,720 --> 00:30:20,360 Speaker 1: consider apprenticing or if you're a parent, at least allowing 656 00:30:20,400 --> 00:30:23,320 Speaker 1: your kid to work summers at a skilled trade even 657 00:30:23,560 --> 00:30:25,680 Speaker 1: if they still decided to go to school, if they 658 00:30:25,680 --> 00:30:27,840 Speaker 1: wanted to go to college, in the end, it's still 659 00:30:27,960 --> 00:30:30,120 Speaker 1: a great sort of hard skill that they learned. And 660 00:30:30,240 --> 00:30:32,880 Speaker 1: even then there's soft skills that they learned, having already 661 00:30:32,920 --> 00:30:34,840 Speaker 1: been in the workplace, that they can take back with 662 00:30:34,920 --> 00:30:37,760 Speaker 1: them to college that you can't actually learn while you're 663 00:30:37,800 --> 00:30:39,960 Speaker 1: in school. Yeah, Matt, And there's something that exists in 664 00:30:40,000 --> 00:30:42,400 Speaker 1: our country right now that people have called the skills gap. 665 00:30:42,880 --> 00:30:46,160 Speaker 1: And even with our incredibly low unemployment rate, there are 666 00:30:46,280 --> 00:30:49,840 Speaker 1: a lot of unfilled jobs in the skilled workforce where 667 00:30:49,920 --> 00:30:52,800 Speaker 1: people don't need a college degree. They just need to 668 00:30:53,000 --> 00:30:55,800 Speaker 1: apprentice in a specific skill. And if you do that, 669 00:30:56,000 --> 00:30:58,440 Speaker 1: you don't accrue debt in the same way that a 670 00:30:58,480 --> 00:31:01,240 Speaker 1: college student taking on loans us. And on top of that, 671 00:31:01,360 --> 00:31:04,600 Speaker 1: some of those jobs that use skilled labor actually pay 672 00:31:04,960 --> 00:31:08,640 Speaker 1: a lot more than a lot of college educated positions do. Yeah, 673 00:31:08,640 --> 00:31:11,160 Speaker 1: you know, I've heard the plumbers rule the world. They 674 00:31:11,200 --> 00:31:12,680 Speaker 1: make some good money, right. I think we talked about 675 00:31:12,720 --> 00:31:15,120 Speaker 1: on on an episode a while back that our friend Rob, 676 00:31:15,160 --> 00:31:17,640 Speaker 1: who's a lawyer, doesn't get paid quite as much as 677 00:31:17,680 --> 00:31:20,200 Speaker 1: his plumber And that's just that's kind of funny but 678 00:31:20,560 --> 00:31:23,840 Speaker 1: also kind of becoming eerily true. And to consider how 679 00:31:23,920 --> 00:31:26,640 Speaker 1: much time and cost for Rob to become a lawyer, 680 00:31:27,000 --> 00:31:29,200 Speaker 1: it's a lot easier of a track to become a plumber. 681 00:31:29,240 --> 00:31:31,600 Speaker 1: Not that it's not hard work, right, grueling work, but 682 00:31:31,680 --> 00:31:34,080 Speaker 1: it's at least an easier track to get there. Yeah, Joe, 683 00:31:34,160 --> 00:31:37,640 Speaker 1: you know, like talking about trades versus like college makes 684 00:31:37,680 --> 00:31:41,000 Speaker 1: me think about how like, shortly after starting the photography business, 685 00:31:41,200 --> 00:31:44,440 Speaker 1: I remember thinking and saying out loud and having discussions 686 00:31:44,480 --> 00:31:46,480 Speaker 1: with friends that my kids are never going to go 687 00:31:46,560 --> 00:31:49,560 Speaker 1: to college. What I do now are not skills that 688 00:31:49,640 --> 00:31:52,640 Speaker 1: I learned while in undergrad And I think I felt 689 00:31:52,680 --> 00:31:55,480 Speaker 1: pretty arrogant and in my approach and how I viewed 690 00:31:55,720 --> 00:31:57,880 Speaker 1: business and maybe how i'd sort of pulled myself up 691 00:31:57,920 --> 00:32:00,640 Speaker 1: by my own bootstraps. However, what I think I've realized 692 00:32:00,680 --> 00:32:03,000 Speaker 1: though in the past several years is that there are 693 00:32:03,200 --> 00:32:05,800 Speaker 1: just tons of different, like softer skills that you learn 694 00:32:05,880 --> 00:32:08,160 Speaker 1: while in college. This is funny to say, but like 695 00:32:08,240 --> 00:32:11,360 Speaker 1: you learn how to learn, you learn how to ask questions, 696 00:32:11,440 --> 00:32:13,600 Speaker 1: you learn how to figure things out. There's all these 697 00:32:13,640 --> 00:32:15,520 Speaker 1: different things that you learn by going to classes and 698 00:32:15,640 --> 00:32:18,200 Speaker 1: by having those sort of requirements and those tests set 699 00:32:18,240 --> 00:32:20,640 Speaker 1: before you that you may not have learned otherwise, And 700 00:32:20,840 --> 00:32:22,640 Speaker 1: not to mention to just the different connections that you 701 00:32:22,720 --> 00:32:24,520 Speaker 1: make right when you go to college, Like you get 702 00:32:24,600 --> 00:32:26,840 Speaker 1: to meet a lot of different people, and I know 703 00:32:26,960 --> 00:32:28,600 Speaker 1: that I'm certainly a product of a lot of the 704 00:32:28,680 --> 00:32:30,840 Speaker 1: relationships and the people I've met and the connections I've 705 00:32:30,920 --> 00:32:34,040 Speaker 1: made because of going to college. Yeah, I completely agree. 706 00:32:34,240 --> 00:32:37,240 Speaker 1: I feel like when I initially graduated, I felt a 707 00:32:37,360 --> 00:32:40,520 Speaker 1: sore lack of like hard skills that I wanted to 708 00:32:40,680 --> 00:32:42,640 Speaker 1: bring into the workforce, and I felt like a lot 709 00:32:42,720 --> 00:32:44,840 Speaker 1: of those things I had to learn on the fly, 710 00:32:45,320 --> 00:32:47,760 Speaker 1: like on the job training almost right completely, and I 711 00:32:47,880 --> 00:32:50,360 Speaker 1: was like, what was college for? But really it was for, 712 00:32:50,560 --> 00:32:52,680 Speaker 1: like you said, a lot of those soft skills, and 713 00:32:52,760 --> 00:32:54,920 Speaker 1: they they served me to this day, I feel like 714 00:32:54,920 --> 00:32:57,280 Speaker 1: I'm building on top of them as opposed to having 715 00:32:57,320 --> 00:33:00,240 Speaker 1: to learn them from scratch. And also the yeah, those 716 00:33:00,280 --> 00:33:03,080 Speaker 1: connections too that you make in college, the friendships and 717 00:33:03,160 --> 00:33:06,000 Speaker 1: the connections, just the networking, right, Like we talked about 718 00:33:06,040 --> 00:33:08,400 Speaker 1: that in the Jordan Harvaer episode. There's just so much 719 00:33:08,440 --> 00:33:11,280 Speaker 1: opportunity that comes with maintaining relationships and being in touch 720 00:33:11,320 --> 00:33:13,680 Speaker 1: with folks and finding ways to help other people. There's 721 00:33:13,680 --> 00:33:15,120 Speaker 1: a lot there that's hard to quantify, and a lot 722 00:33:15,200 --> 00:33:17,280 Speaker 1: of relationships that wouldn't have been made had had we 723 00:33:17,320 --> 00:33:19,480 Speaker 1: knock on to college. And plus, how would you know 724 00:33:19,560 --> 00:33:21,320 Speaker 1: how to manage a house if you weren't an r 725 00:33:21,360 --> 00:33:24,760 Speaker 1: a taking care of a whole floor of undergrad students, right, 726 00:33:26,320 --> 00:33:30,440 Speaker 1: a bunch of unruly dudes just making a mess of 727 00:33:30,760 --> 00:33:33,000 Speaker 1: my whole life and the dorm at the same time. 728 00:33:33,400 --> 00:33:36,200 Speaker 1: I learned a lot doing that. That's all right, Matt. 729 00:33:36,280 --> 00:33:38,000 Speaker 1: Let's get back to the beer though. Today on the 730 00:33:38,000 --> 00:33:41,480 Speaker 1: show we drank Brain Diad brewing Power Shark and this 731 00:33:41,640 --> 00:33:43,920 Speaker 1: was sent to us by listener Jared. This is a 732 00:33:44,000 --> 00:33:47,120 Speaker 1: triple dry hopped beer. Just a massive amount of hoppy 733 00:33:47,200 --> 00:33:49,880 Speaker 1: goodness in this one. Anybody who's listening to the show 734 00:33:49,920 --> 00:33:52,160 Speaker 1: for a while knows we love a good I p A. 735 00:33:52,640 --> 00:33:56,360 Speaker 1: You know, what This one didn't disappoint. It was really good. Man. 736 00:33:56,440 --> 00:33:58,440 Speaker 1: I'm a huge fan of this beer as well. Uh 737 00:33:58,600 --> 00:34:01,080 Speaker 1: you know, it's triple dry hot opps and that means 738 00:34:01,120 --> 00:34:03,160 Speaker 1: it's just got so much of that hop flavor in it. 739 00:34:03,480 --> 00:34:06,120 Speaker 1: It's hard to describe sometimes, like what does hops like? 740 00:34:06,240 --> 00:34:09,040 Speaker 1: What does hops taste like? It's almost this green herbally 741 00:34:09,200 --> 00:34:11,880 Speaker 1: flavor and traditionally, like the hops are what gives I 742 00:34:12,000 --> 00:34:14,839 Speaker 1: p A is like that bitterness. But man, these newer 743 00:34:14,920 --> 00:34:16,719 Speaker 1: I p A is like, in particular, the ones that 744 00:34:16,760 --> 00:34:19,520 Speaker 1: are dry hot like this, just they convey this herbal 745 00:34:19,640 --> 00:34:22,919 Speaker 1: flavor that it's almost like you're eating delicious vegetables while 746 00:34:22,920 --> 00:34:26,480 Speaker 1: you're drinking beer, but specifically green vegetables right while you're 747 00:34:26,520 --> 00:34:29,719 Speaker 1: drinking a really delicious beer. And this one, Yeah, it's 748 00:34:29,760 --> 00:34:31,960 Speaker 1: just so well balanced that I just want to drink 749 00:34:32,000 --> 00:34:35,040 Speaker 1: my vegetables just all day long. So, dude, if we 750 00:34:35,160 --> 00:34:38,680 Speaker 1: were getting our vegetable servings while drinking beer, when when 751 00:34:39,239 --> 00:34:42,160 Speaker 1: we would be like the most healthy people on the planet. 752 00:34:42,560 --> 00:34:45,040 Speaker 1: Sadly that's not the case. And this beer in particular 753 00:34:45,160 --> 00:34:47,920 Speaker 1: had like a hop wallop. It almost like punched you 754 00:34:47,960 --> 00:34:52,120 Speaker 1: in the mouth with how prominent the happiness was and I, yeah, 755 00:34:52,120 --> 00:34:54,280 Speaker 1: I feel like you phrased it. Well, it's a difficult 756 00:34:54,320 --> 00:34:56,880 Speaker 1: thing to put into words, but this beer in particular 757 00:34:57,000 --> 00:35:00,320 Speaker 1: gave you just a ton of that hop essence. Whereas 758 00:35:00,360 --> 00:35:02,239 Speaker 1: some beers you can smell it a little bit, some 759 00:35:02,360 --> 00:35:04,920 Speaker 1: beers you can taste it, this beer was kind of 760 00:35:05,080 --> 00:35:08,400 Speaker 1: all encompassing Hops, and I'm totally cool with that because 761 00:35:08,400 --> 00:35:10,759 Speaker 1: I freaking love Hops. So huge things to Jared for 762 00:35:11,000 --> 00:35:13,120 Speaker 1: for sending this beer along to us. Again, this is 763 00:35:13,239 --> 00:35:16,799 Speaker 1: brain dead brewing power shark. All right, Matt, let's get 764 00:35:16,840 --> 00:35:20,480 Speaker 1: to our final thoughts on cutting college costs, and Cody 765 00:35:20,560 --> 00:35:22,719 Speaker 1: did a great job kind of helping us think through 766 00:35:23,000 --> 00:35:26,080 Speaker 1: the difficulties of borrowing from our future selves and how 767 00:35:26,120 --> 00:35:28,600 Speaker 1: we can think through cutting the cost of college to 768 00:35:28,719 --> 00:35:30,960 Speaker 1: avoid doing that. Yeah, the first way that you can 769 00:35:31,000 --> 00:35:33,480 Speaker 1: do that is by taking a p and clip exams 770 00:35:33,800 --> 00:35:36,759 Speaker 1: before you get to undergrad. There's no sense in taking 771 00:35:36,840 --> 00:35:39,440 Speaker 1: an actual semester of a course if you're able to 772 00:35:39,560 --> 00:35:41,800 Speaker 1: test out of it, So make sure you consider that. 773 00:35:42,120 --> 00:35:43,840 Speaker 1: And also you want to make sure that you're applying 774 00:35:44,040 --> 00:35:47,840 Speaker 1: to lots and lots of scholarships and grants. Basically, you 775 00:35:47,920 --> 00:35:50,120 Speaker 1: want to make this your part time job, because chances 776 00:35:50,160 --> 00:35:52,320 Speaker 1: are the time that you can dedicate to applying for 777 00:35:52,360 --> 00:35:55,520 Speaker 1: these different scholarships and these different grants, you can make 778 00:35:55,640 --> 00:35:58,919 Speaker 1: more by doing that than you could waiting tables. Yeah, 779 00:35:59,040 --> 00:36:02,320 Speaker 1: just remember that filling out the factive form is crucial 780 00:36:02,480 --> 00:36:05,440 Speaker 1: in order to finding out what scholarships and grants are 781 00:36:05,480 --> 00:36:09,000 Speaker 1: available to you. Also consider working while you're in school. 782 00:36:09,400 --> 00:36:11,880 Speaker 1: Are as often get free housing as well as getting 783 00:36:11,880 --> 00:36:14,400 Speaker 1: paid on the side. Working on campus as an option. 784 00:36:14,800 --> 00:36:17,839 Speaker 1: Co ops and internships are great as well, and those 785 00:36:17,880 --> 00:36:20,000 Speaker 1: things not only helped cut the cost of college, but 786 00:36:20,080 --> 00:36:23,320 Speaker 1: they also boost your resume to help your potential earnings 787 00:36:23,400 --> 00:36:26,600 Speaker 1: post college chedule. What I specifically love about RAS and 788 00:36:26,719 --> 00:36:28,600 Speaker 1: t a s as well, as Cody had mentioned that 789 00:36:28,640 --> 00:36:30,840 Speaker 1: he did that is that they're the most optimized jobs 790 00:36:30,920 --> 00:36:33,880 Speaker 1: for students living on campus because you're doing things that 791 00:36:33,920 --> 00:36:36,520 Speaker 1: you pretty much would already do anyway, and I love that. 792 00:36:36,600 --> 00:36:39,440 Speaker 1: I love how these different jobs sort of align with 793 00:36:39,719 --> 00:36:41,920 Speaker 1: the sort of natural life that you would live anyway, 794 00:36:42,239 --> 00:36:44,600 Speaker 1: whether that's living on a dorm floor and providing some 795 00:36:44,760 --> 00:36:47,520 Speaker 1: you know, leadership, Joel like you did, or maybe being 796 00:36:47,600 --> 00:36:50,120 Speaker 1: a t A in a lab where you're learning at 797 00:36:50,160 --> 00:36:51,880 Speaker 1: the same time you're you're making money. I love that. 798 00:36:52,120 --> 00:36:54,279 Speaker 1: I don't know how much leadership I've provided, Mat, but 799 00:36:54,600 --> 00:36:57,040 Speaker 1: I appreciate your vote of confidence. I'm sure it was 800 00:36:57,080 --> 00:37:00,800 Speaker 1: awesome and tons of fun. Unlikely, but uh, thanks to 801 00:37:00,840 --> 00:37:03,279 Speaker 1: Cody for coming on the show. We really appreciate your 802 00:37:03,280 --> 00:37:05,239 Speaker 1: wisdom and your inside Cody. And if you want to 803 00:37:05,360 --> 00:37:07,200 Speaker 1: learn more about what Cody's up to, you can go 804 00:37:07,320 --> 00:37:10,799 Speaker 1: to fly to five dot com. That's his blog where 805 00:37:10,840 --> 00:37:13,640 Speaker 1: he writes about everything financial independence. You can check out 806 00:37:13,680 --> 00:37:16,720 Speaker 1: his podcast five show and you can find that wherever 807 00:37:16,800 --> 00:37:20,320 Speaker 1: you're listening to to this podcast. Considering Cody's only twenty 808 00:37:20,360 --> 00:37:22,480 Speaker 1: two years old, I guarantee that you're going to hear 809 00:37:22,560 --> 00:37:25,040 Speaker 1: more from him in the future. Chedjuel will have those 810 00:37:25,120 --> 00:37:27,040 Speaker 1: links up on our website. On our show notes for 811 00:37:27,080 --> 00:37:29,120 Speaker 1: this episode, just go to House and Money dot com. 812 00:37:29,480 --> 00:37:31,280 Speaker 1: And if you like the show, if you found it helpful, 813 00:37:31,360 --> 00:37:34,120 Speaker 1: we would love your feedback. Feel free to leave a 814 00:37:34,160 --> 00:37:37,640 Speaker 1: review on Apple Podcasts. We greatly appreciate it. And if 815 00:37:37,680 --> 00:37:39,359 Speaker 1: you think that Matt and I could improve, we would 816 00:37:39,400 --> 00:37:42,200 Speaker 1: love to hear your feedback as well. Go to how 817 00:37:42,280 --> 00:37:45,120 Speaker 1: to money dot com slash do Better. You can send 818 00:37:45,120 --> 00:37:46,840 Speaker 1: an email there, Matt and I will read it. We 819 00:37:46,920 --> 00:37:50,560 Speaker 1: appreciate any constructive criticism you can offer. That's right, Joel, 820 00:37:50,600 --> 00:37:53,839 Speaker 1: So until next time, best friends out, Best friends out, 821 00:38:02,160 --> 00:38:02,200 Speaker 1: m