I Just Graduated College, What Do I Do Now?
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- Опубликовано: 15 ноя 2024
- I Just Graduated College, What Do I Do Now?
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This couldn't have been better timed.
I have to give her credit. She realizes her problem and is willing to do something about it.
We can't change the past but we csn influence the present and, to some extent, the future.
Better than the other 80% of the callers
Her biggest issue will likely be lifestyle creep, that sets in with many in their first full time job. She has to watch out when it comes to eating out for lunch, upgrading her vehicle and expensive social events. If she can avoid those things, she will be fine.
Don't forget the biggest expense, her home.
Absolutely true, if you maintain a meager lifestyle when you get a substantial increase in income, all excess income can go to debt. Go from bagged lunches to lunch out 5 days a week and you can be broke once again.
@@superblump87 don't forget, she could onlyfan
@@adams5507 why even make that comment?
@@superblump87 because HARHARHARHAR
As a college student I feel bad for my fellow college students and graduates. School is not teaching us how to live life but rather teaching us how to stay in debt. This is why I already started a business during my freshman year. A wise man once told me “ major in something that’s gonna make u money and minor in something u love.” Best advice I ever got from my NCOs in the army.
Kevin O Leary?
@@jairoherrera4040 tbh, never knew he was the one who said that. Learnt that my senior year in high school when I joined the army.
@@erickqwesibentilmanie2382 I am certain that it came from him since he was planning to major in photography but instead he took his mother's advise an MBA in order to have a general expertise in no matter what type of industry he was pursuing.
college is a business. Thinking college cares about your well being is like thinking Mcdonald's cares about your health because they feed you
Good because i majored in accounting and did not minor in anything. i graduate in a month
“42 is good. 62 is better.”🔥 Create more value! Money follows value.
Money is value
First full time job is the first step. Time to start hustling to get that debt paid off and start growing.
Seen u on the jocko videos too, man of culture👌🏻
I hate it when people tell me to go back to school, after completing my BA, for another 5 years on getting a Phd in Stupid. I really wanna start working for the money though.
"Are you willing to live like a broke college student for 2 years?" 😅
@Adam Sure! Determination is the key.
She just has to act like she has no money for the next couple of years until she has paid off her loans
That's exactly what Dave told her, right?
Does Dave have a guide for pulling off these mythical 20k side hustles he recommends to broke people? I need one of these.
Just turned 20 and have paid off the final $6000 of my student loans since Nov 27. Happy to say I am now debt free and am excited to be out of gazelle intensity, thanks Dave!
Awesome that you paid it all off at age 20!! Congrats
"Live like a student". She can tackle this student loan debt quickly if she continues that mindset.
Isn't that exactly what Dave told her?
@@superblump87 Yeah. I'm semi quoting him. It's easier said than done. I've been there and sometimes your friends or lifestyle makes you lose sight. I hope she does stay on plan!
@@dayvidsdays5644 that's also what Dave said.
@@superblump87 stop harassing this guy lol
@@dankestranch8738 lol these spammers trying to promote their own channels are ridiculous.
$42k/year with $58k in debt?
I agree with Dave the income definitely has to go up if she wants to get out of her student loan debt.
If she wants to do $20k/year on pay down she’s definitely going to have to buckle down and moving back home would definitely help.
Pay the loan off in two years. DO NOT buy a new car until you are a millionaire!
Afterwards put $7000 a year in your Roth IRA and just put enough to get the full match in your 401k. Put half in TECL and half in TQQQ. Enjoy the rest but resist going into debt for ANY reason. For housing share housing for cheap. Keeping housing and vehicle expenses low are the key to wealth.
millionare is a stretch, it should be more than 10 percent of your income
58k loans 42k salary, this is a robbery
I am graduating from Med school this February! Much needed :)
Dave Ramsey is so optimistic!
the next 20-50 years is going to be all about creating side income. it’s VERY hard to get ahead as an employee. think outside the box. use the internet. traditional jobs (ESPECIALLY IN ART) are going away. go where the puck is going - not where it is. avoid major cities, keep your rent low, and start your own business as soon as possible. put out quality, unique and niche content every single day. start today.
Her student loan debt ($58K) may be greater than her current income on her new job($42K/yr) now. But I say give it 5 years and see where her income and student loan debt is. The student loan debt may no longer be a problem for her at that point.
I say knock it out as soon as humanly possible
What you do now is start taking responsibility for your decisions.
Eat rice and beans, no starbucks, take the bus, and no parties.
She should go into product design in tech. Starting salary is 100k along with stock.
It’s totally doable because she has self awareness.
I love the fact that the baby steps is a tried and tested method that will help you become wealthy guaranteed, barring a colossal emergency. I wish there were tried and tested methods to become physically healthy, mentally healthy, socially healthy, etc… It’s almost like we need an army of dave Ramseys, one for every area of improvement in life lol.
Slightly off-topic but this can be a heart-breaker: Beware ripoffs; as a writer, this has happened to me when working for individuals (but thus far, not for companies, thank goodness). Don't release final versions until after they finish paying you. Protect your work. People sometimes view graphic design as "fun" instead of work.
A company has more at stake to lose. Make sure they're reputable and you can google them and they come up. Read their reviews. If they don't come up, it's sketchy. Also, individuals often have less to lose which is why there's more ripoffs dealing with them. Sorry that happened to you! Be careful out there guys, it's a dog eats dog world.
As I just graduated I deeply regret going to school now can’t find shit out here
what did you get your degree in
Welcome to the real world.
🤣🤣
If she can live like a broke student and kick that debt in the teeth, she'll do great.
It is good she is terrified. Now it's time to conquer it by understanding the numbers and her goals
Waiting for the release of VectraCoin as well as the release of half life 3
Yeah tackle that debt and make it your mission to pay it all off. Heck, it makes me feel so easy not having any debt and already getting that degree.
already having*
58k for Graphic design? I could've done that at my community college for under 10k
Always that guy in the comment section critical for no reason 🤷♂️
Its not just about the classes on your transcript. You don't make the same kind of connections at community college that you do at a fine arts school, and your professors will not have the same level of experience and skills.
Depending on the interest rates on her loans, she probably should prioritize investing a little bit and setting up an emergency fund.
You clearly don't listen to or follow Dave Ramsey's teachings. Baby step 1 is to get a $1,000 emergency fund, next is to pay off all debts. Investing comes once the car, student loan, and credit cards are all paid off. NO DEBT IS THE GOAL.
@@cameronp44 No, I don’t follow Dave’s advice because I know what I’m doing. Financial advice is a lot more philosophical than people give it credit for. Dave is anti-debt because he’s assuming that people are inherently irresponsible but doesn’t consider the opportunities you can miss out on by solely focusing on paying off debt. It’s a tool that can be leveraged for a lot of things that you won’t be able to get unless you have a bunch of money. Debt becomes a problem when you can’t afford to pay it off.
She's proud of herself for going into 58k of debt because it was for something she wanted to do? Figuring out how to pay that back is not something anyone should wait until after graduation to think about.
$58k for a BA in Graphic Design. Eww. I paid 25k for my BA and 25k for my MA. Still less than her BA. SMH
But did you manage to get a job in graphic design within a year of graduation though? She did, during a pandemic, $44k. That’s impressive
@@ttr8141 I got mine in Government Administration. My first job is 55k with a 12k increase every year for the next 2 years. so 67k next year and 77k in 2022. Internships are a MUST. It went from an internship to hire. Started in March 2020. Then after that its 2k a year unless you get a promotion which is 12k again.
I think the pandemic has taught people the importance of multiple streams of incomes unfortunately having a job doesn't mean security..no rich man or woman made it through salary, investing now will be wise
This is very true in todays time
@@patrickthompson8478 Stocks are good but crypto is more favourable
@@riggswealth2225 Despite all the economic crisis this is the right time to start up an investment
@@riggswealth2225 I wanted to trade crypto but got confused by the fluctuations in price
@@wavebenjamin7755 That won't bother you if you trade with a professional like Mr Raymond
Biggest thing will be living expenses at this point. If she moves back home with Mom, she might could get this paid off in three years. Move out on her own, and she's looking at the ten year plan.
I’m sure millions are asking the same thing
Live like a student for the next 5 years and set up the rest of your life!
Now it’s time to take accountability for those darn loans.
Seems what she really needed was Christy Wright's book Business Boutique
The more side hustles you have the more you depress the labor market and the less you make.
Why graduate in graphic design if you can just freelance without debt and learn it absolutely free from the internet. Any form of art degree is really unnecessary to waste your time and money. Many animators or designers work as individuals designers selling their design on patreon, indie sites and etc.
Same here now I'm a pro detailer
Where is Saul to tell us how Dave's advice is wrong?
You Got jokes🤣🤣🤣
@@tineeashmon9223 absolutely!
Didn't know Graphic Design was still popular as a degree. I remember it being a cool degree about 20 years ago
it can be for the right company. connections is key though
58,000? That’s insane
A wise college professor would hold up a $20 bill and say look there’s no instructions on the back
A hottie in class holds up a hundred bucks, says there is a sucker who pays me these. All day , everyday.
Dave makes no sense man giving out bad advice , I made over 65 and net I made 43 so ur telling me to pay 30 a year on loans like you have 0 bills or something? Why don’t they every take taxes to consideration is very , telling her she can do this is in 2 years is a lie you ain’t living on 13k a year and that’s not even bills taken out
Hey I have a BS is Criminal justice, which is a BS degree, quite literally the worse decision. I thought I wanted to be a cop. It seems as though that is all it’s food for, corrections, police, or private investigator. How can I turn that around to land a job
A BS in that?? Wow. LOL! You really would have been fine with just a HS diploma, maybe 2yr degree. A cop’s job is solely based on decision-making and critical thinking. Where was your critical thinking? And yes, I’m rubbing it in
Your first mistake was believing that this country cares about Justice.
Why don't you want to be a cop anymore? Look into border patrol.
Legal? Or get a post bacc in a different area.
Criminal justice degree works for military too. Depending on resume, recruit with undergraduate degree can either compete for officer schooling or get loan repayment for enlisted service
If your going to be paying debt for 2-3 years you need absolutely more than an 1000$ emergency fund. If I was her Id build a small 3 month emergency fund then attack the debt full force.
Nice video! What about VectraCoin algorithm review?
AaaaaaaO great advice!
Any graphic designers in the comment section? I keep hearing people getting this degree, how much do the average designer make per year?
Just graduated college today
Spend 4 years in college just to come out making 42k? Each to their own.
No one going to pay you 6figures entry-level prove your worth first
The Dave Ramsey Show What? Your an impersonator of Dave Ramsey trying to “refer” me to a sketchy “broker” on Wat @pp. Why would I trust you again?
Welcome to the labour market. Look for good investment opportunities and venture into it.
This is me except I graduate this year & I do economics. Have just under 9k saved up, gonna be 52k in debt. Anyone got any advice?
Do you have any rich girlfriends you can marry?
@@enricopallazzo3244 LOL! I am hoping he is a chad. The gal will pay EVERYTHING for him.
Do everything you can to get a good job. Anything paying above 50k should work. Then, continue living like a college student with no money; save about 10% towards retirement, then throw the rest to the debt. You should clear it in about 4 years. Dave says otherwise, but keep investing for retirement.. never stop because of debt.
@@enricopallazzo3244 nope
@@jojohns9670 thanks, I appreciate that.
Dave, I just tried to get your app everydollar and I can't because I live in Portugal... :(
First thing she does....blame her mommy for her not understanding her loans. I swear to god the stupidity is mind boggling.
If your parent does give you education to deal with your finances in life then you'll just blow you money like this young lady.
$58k for graphic design vs $10 skillshare or udemy 😳
A bachelors in fine arts? So underwater basket weaving or left handed puppetry?
$43,000 salary right out of college in something she loves to do. She'll be out of debt in two years if she's smart. Better than getting a business degree and hating everyday of your life for the next forty years.
So you didn't watch the entire video then?
Graphic design is a profitable major
@@crazykaitlyn, which is the ironic part for comparing it to basket weaving.
Better than being broke as a joke. I endured years if punishment in a well paying job, it's called sacrifice, something you greenhorns don't understand.
Nice try, but read about VectraCoin algorithm first
Pápá Dave is trolling her😂 then helps her 10/10
There is a good video on RUclips called f*** you pay me! If you're an artist... Or just in business you should check it out
Buy VectraCoin already and don't worry
Baby step 1: $1000 emergency fund!
Welcome to the real world
Welcome to the real world", she said to me
Condescendingly
Take a seat
Take your life
Plot it out in black and white
Well I never lived the dreams of the prom kings
And the drama queens
I'd like to think the best of me
Is still hiding
Up my sleeve
They love to tell you
Stay inside the lines
But something's better
On the other side
I wanna run through the halls of my high school
I wanna scream at the
Top of my lungs
I just found out there's no such thing as the real world
Just a lie you've got to rise above
I hate how some people who get themselves into a financial pickle blame their parents/family for not teaching them. Take ownership and give your family a break. You signed those loan documents.
Thats a fact. I come from a low income immigrant household and still will be graduating debt free from a 4 year school because I took it upon myself to become financial literate
She had no man to blame
Some of us were FORCED to go to college and FORCED by our parents to sign the loan.
You do realize lenders do a terrible job, or better yet don't, teaching young, impressionable borrowers on how it all works. If her mom, the person who is her provider and the person she needs to get the loans anyway, is telling her not to worry about it, how do you expect for her to think about this if she's never done it before and has no one there to guide her?
That doesn't tell the whole story. For a lot of us with foreign parents (especially african, Indian & chinese) it's college or you get disowned.
If you're not making great money like 10k a month, your parents will pressure you into college & if you don't they'll threaten to throw you out.
Start an onlyfans. She can pay for her student loan in a month tops.
LOL I commented this on another video and some chick gets on here and started chewing me out and calling me a troll
@@drunclecookie216 i dont see why others would have an issue. cant tell you how many women out there paid for their education by being a stripper on the side.
Well depends a lot on how she looks though
That's funny! I hadn't heard of onlyfans till now. good idea.
I’d pay to see this👀😂
I graduated College debt FREE. Should I take a loan for Grad school?
thank god my parents paid for my degree no debt
42,000 before taxes and 20,000 at debt is not possible. Dave you’ve been doing this sooo long and you’re STILL bad at math
She seems to have alot of common sense for someone who has a mother who has none. Lesson learned: never again take financial advice from this particular mother.
How do I call Dave?
with a phone ?
Dave is Solomon reincarnated Dave just have more sense with his wisdom
Absolutely and a lot less dramatic than Dave lol 😂
She definitely can do it.Rice and beans and beans and rice.
Vectracoin is my choice
Fine arts degree better hope she paints like Van Gough.
Probably like Dali
I wish I dropped off of college
You have no life. I see your comments in every video.
50k In a debt. Probably pay it off by 30. I would say Invest in stocks, and manage your money well. NO GIRLS NIGHT OUTS. Be responsible. I wouldn't be able to sleep with 50k-.
Graduated FROM**** college
@@aliabubakar3775 i love your show dave! Glad i could help
Pray for VectraCoin!
"My mom never prepared me" - time to grow up, sweetie, and take responsibility for your own decisions.
Way to give props to generational financial illiteracy. Blaming young people for getting in trouble by predatory lending institutions while having to pay for what should be free to begin with.
With African parents it's college or get out the house. They put A LOT of pressure on you to go to college
There you go! Gotta be accountable...
@@sarikagoode1505 Anyone smart enough to get into college is smart enough to do math. And stop with the "generational" blame nonsense. It's just another way to insult families like mine, poor for generations in terms of money but rich in the belief in hard work and personal responsibility-- values that eventually created a generation that climbed out of a financial hole. Saying that a family like mine is too stupid or lazy to improve our financial situation without self-pity and handouts is unspeakably insulting. Keep your thinly-disguised sense of superiority and condescension to yourself.
@@cherylnielson4710 People should not be in a “financial hole” to begin with, and it certainly shouldn’t take generations to climb out of one. US has some of the lowest rates of upward mobility in the industrialized world because of the corporate takeover of the government and media. You shouldn’t accept poverty as a given, ever.
Hold on... advice #1 - refinance it to our new low rates. Advice #2 - do not pay it off immediately, Biden will be giving handouts. Agree work harder but diversify over loan pay off and stock investments.
Biden won’t be giving handouts that will completely collapse the US economy
@@wanilimbe Handouts don't collapse they economy, they cause monetization of our debt slowly over time. And Biden doesn't have 4 years in him. Finally, he actually came out in support of at least 10k towards student loans. I bet Many dems would support 50k. So, you don't really know what you're talking about, best to listen up in your case.
@@user-tl5yb1jy7c your so gullible
@@wanilimbe thanks for the belly laugh.
Fine arts degree?🤦🏻♀️
I homeschooled my son. I made sure he did nothing else other than home work and music practice. He got accepted by two major Ivy League colleges. He just graduated with an architectural degree. He paid off all his tuition while in school by doing a side hustle. He basically made some graphs for licensed architects as a helper. Husband and I paid for his freshman year tuition. But we’re making him pay with an interest since he just got his first job as an architect.
Becoming an architect was my idea. Call me a control freak but it all worked out. Dave always days “be weird” I’ve been weird. I would rather have my son become a plumber than a fine art degree 🙄
At least you admit you’re a control freak , good thing he became successful. I hope he knows how to tell you and other people “ no”
Get a J-O-B!
42K a year for graphics design i thought they make more than that Geez thats is just the interest on your loan 😂😂😂😂😂😂😂 hello cup of noodle by the way its made in Merica in City of Industry so be patriot 😂😂😂😂😂😂😂
VectraCoin is the best cryptocurrency
Yolo on telsa calls
go to work
Start an O.F. or find a husband to pay it off, or both.
Vectracoin is the best coin, there is no point in arguing with this
Rachel if you see this, send me your email. I need a graphic designer for my hat, t-shirt, and sign business.
I suppose you GET A JOB
Why review cryptocurrencies if VectraCoin wins everyone?
She needs to join fiverr and do freelance work
Mann 42 is trasshhh
Get a job at Starbucks like the rest of the graphic design majors.
Should start *ONLYFANS* Account
Will pay in a month ???
"Bachelors of Fine arts" - oof
"graphic design" - not terrible
Vocal uptalk so annoying, please stop!