The College Racket & How To Live More & Work Less
College today is a racket if you’re not extremely strategic about what you’re going for. If you’re not majoring in something like engineering, accounting, or medicine, you really need to question what you’re actually buying. Because that’s what it is—you’re buying a degree with borrowed money, usually at 6–8% interest, hoping it pays off later. And for a lot of people, it doesn’t. Taking on $80k, $120k, or even $200k+ in student loan debt just to graduate into a $45k–$65k job doesn’t make sense when you actually run the numbers. Then fast forward a few years—you’re 26, trying to figure out life, but you’ve got $1,500 to $3,000 a month in loan payments hanging over your head. You’re trying to afford rent, save money, maybe think about buying a home, but you’re already behind before you even started. The part nobody says out loud is that student loan debt doesn’t just cost money—it costs time, freedom, flexibility, and your ability to take risks. It’s the reason people stay in jobs they don’t like, delay starting businesses, push off buying a house, and feel stuck well into their 30s and 40s. Meanwhile, the real skills that actually move your life forward today aren’t being emphasized nearly enough. Learning how to sell, how to market, and how to position yourself to your ideal customer is what creates income and opportunity in the real world. If you can clearly communicate value, attract attention, and close, you’re never truly stuck. Add AI on top of that, and you have leverage most people still don’t understand. Sales, marketing, and AI are the core skills of the 2020s—they’re what allow you to generate income without needing permission from a degree or a company. College isn’t useless—but going into massive debt without a clear, high-income path while ignoring the skills that actually pay in today’s economy is one of the most expensive mistakes people are making right now. Nobody is coming to save you with a degree. You either learn how to create value and get paid for it… or you spend years paying for a decision you didn’t fully think through.