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100 thoughts on “21 Truths All College Students Need To Hear | The Financial Diet

  1. Love this video and will keep everything in mind when I attend school next year! As for now I’m still a high school student- could you make a similar video for high school students who want to get a head start on saving money and preparing for the future financially?

  2. I'm a bit overwhelmed with all of this advice honestly. It's so much to take in when I am hearing about this for the first time.

  3. i immediately turned this off after hearing that my "literature" degree won't get me anywhere. english degrees are useful from anywhere from writing-based positions to being a lawyer, so maybe try not to act like college admissions counselors are lying to students. they might ACTUALLY know what they're talking about, and you might be discouraging upcoming students from pursuing things they love in an effort to "get somewhere."

  4. This channel gives very unfounded improper financial advice with 0 actual fiduciary backing or evidence.

  5. This video is obviously from the perspective of American colleges. Having to worry so much about debt and price of college is stressful just to hear about. In Scotland the student debt is much less of a worry, however the living on your own aspect and being an ‘adult’ kicks in a lot earlier, which can be a bit of a shock when you’re 18 😂

  6. 1. for major companies, GPA counts in order to lessen the load of applications to look at

    2. study abroad is actually quite cheap in countries other than the US

    3. colleges want your money, sure, but you shouldn't go to the cheapest option you can find, the "brand name" of a good school tells employers you like a challenge, you have a good pedigree, and the highly renowned institution approves of you, etc.

  7. And then I watch it as a German college student who only have to pay 40 bucks per semester
    This is why I love Europe!

  8. #10 THANK YOU!

    #9 we’ll see. I just graduated, and I desperately want to go back. I feel like I’ll regret it the rest of my life if I don’t go back ASAP

    #12 I love it, so many people put pressure on their relationships and change who they are or their path in life for them destroy them by setting themselves up to resent the other person. If you change your entire life for someone, you’re going to feel like you gave up who you could have been and that is NO WAY to build a healthy relationship.

    Also, thank you for mentioning Hoku’s Perfect Day, it’s a great song!

  9. Never listen to college admissions, they don't care.
    I work in admissions and trust me I do care about students. Thankfully I live in a state that gives you a stipend per credit hour and we're the cheapest in the US.
    Also I have great credit and I take out loans each semester. It's called spending $5 on a credit card and having an auto payment plan set up.

  10. Thanks for doing these videos, I have been able to actually stay on budget- AND save $100 (good number for me). I work 4 days a week, 5 days when my manager throws me an extra shift every now and then, and go to community college in the spring and fall. Rent is basically half my paycheck, horrible i know, but I am living exactly where i want to live and do not like being in dangerous areas. I became very aware of how often i was buying clothes and extra things i do not need, and going out all the time, and changed my spending habits for the better

  11. Unfortunately, if you already are living on your own because you're starting college in your mid-twenties, you almost always need to use your student loans to live on and help pay rent and buy food, because you need to take a huge cut in your work hours in order to attend class and get projects done. Going from 40 hours/week to 15 hours/week without receiving extra money will leave you homeless and starving.

  12. So, don’t go to grad school unless you know for certain that it’s necessary for your career path, but also, you shouldn’t know what your career will be in ten years? I’m considering grad school, and these two conflicting schools of thought make it SO hard to know what to do

  13. Wish I knew this before I went to college. I would have majored in English or Animation rather than Science, something I'm not very good at, because of the hype for STEM jobs at the time.

  14. 2:00 This one I find amusing because, for me at least, I'm a huge slob at home, but at school I found that I was super ultra mega tidy. XD The teacher was surprised to hear that my bedroom was messy.

    About point 21: let's face it, you're going to fail at SOMETHING throughout your life whatever you do.

  15. this will be so helpful!
    I'm a Senior this year and will be attending college next year. I plan on living with my mom (she's told me i'll have to pay bills) because she lives near the college I'll be attending. Also there are so many job opportunities in that area! I do have job experience already but this will still be helpful!

  16. Considering that I'm beyond stressed out with college right now even if the school year hasn't even started yet, this really helped me just kind of take a step back and breathe.

  17. Every dollar I took for student loan was absolutely required. I worked 60 hours a week in the summer to pay for it and had a scholarship. I am still going to be paying through the nose. But I had to in order to get the job I have. The system has made it so that you’re screwed before you get there.

  18. I studied abroad. I received a 4.0 for my studies. All of my credits directly transferred back. I did learn the culture because I lived with a family. I went to an all Spanish speaking school. Oh. And it’s required to do so for a language major.

  19. Some of us had no choice. Had to take out loans to get my apartment because my family was a toxic environment and I never would have made it through school living there 🙂

  20. As a grad student, I second the one about not going to grad school to delay future work. I know a lot of people who wind up in seminaries and other master's programs who aren't 100% sure that's what they need to do, and even if they like it and get a career out of it, it just makes the work that much harder when you don't know why you're doing it.

    Every professor I've ever had has insisted that you should never, ever, ever go to grad school or consider a career in academia if you can do anything else. It's gotta be the thing you couldn't stop doing if you wanted to, or it won't be worth the adjunct circuit you'll undoubtedly get stuck in or the extra loans you have to take out for a master's degree that won't pay you a stipend because all the funding is for the doctoral students.

  21. I'm not sure the advice to work as much as possible while in college is still realistic. $8 an hr working weekends at walmart isn't going to make a major dent in $10,000 a semester tuition. You're probably better off focusing on your studies and learning the skills you'll need for your real job.

  22. This video deserves infinite shares. I just graduated with two degrees and minimal loans. I honestly though I would get a perfect job in my field after graduation…not the case. I’ve been contemplating graduate school to fill this time. I’m glad to hear even though this transition period sucks it sounds like I’m on the right path lol.

  23. Community College all the way 🙄 wish I would have had these lessons and more when I was still in high school so I would have had a plan for completing school. Instead I'm still finishing school at 27 and two years into community college I'm still 3 years from a bachelor's. Not trying to complain, more to confirm that this is great advice I wish I'd taken earlier. Still would have gone to CC, at least I have this advice to pass on to my own kids.

    💕 Thanks!

  24. ''You do not need to study abroad.''
    …ehm… hilarious.
    You don't need to study abroad if you live in a first world country and have basically every existing course at your fingertips. I live in a tiny country, that isn't exactly wealthy by any means and the only courses available to us here are the subjects they teach us in high school. So… yeah, I actually do have to study abroad.

  25. Truth 1, don't be American. Insanely expensive colleges with quite some horrible shit going on. On top of that if you need healthcare you're even more so fucked.

  26. Thanks for highlighting the GPA thing. If only more people knew. They'd focus more on absorbing knowledge rather than acing their exams

  27. I mean for the people that take out loans just to live on themselves can we please switch lives ? Cause as an orphan I don't really have a choice but to live on myself.

  28. Number 3 is so true. When I applied for my first job, the interviewer did not even look at my marks , they were more interested with my temp job experience, and internship projects. My marks were not even bought up.

  29. this is so true, college don't care about you, they only care about your money. you're the customer and they're the employee, of course they're going to give you the most of anything that you ask for as long as you pay them up front or later

  30. For most jobs high paying in the UK (law, consulting, banking) they ask not just about the overall grade but every single module you did since high school (GCSEs). They expect a certain minimum (normally 2.1) and want to see any resits for exams you might have done. Yes, everything else (skills, commitment to the industry etc) matters so so much, but saying that grades don't matter for high paying jobs is just not true.

  31. Never went to college yet I'm a financially successful investor….go figure. You cant beat real world street smarts and common sense, fucksticks. My former boss told me a year before I became a millionaire, nothing can beat a poor, hungry, smart person who is determined to win at any cost. As I found out one year later. He is 100% correct. Looking back, I was a animal on crack cocaine who took no prisoners, anyone in my way was getting punished mercilessly and was taught a lesson not to fuck with me again. Better then been a educated soft college fool with no balls for life in student dept.

  32. I work in the mailroom of a big insurance company and I have a BA in history. THANK YOU for saying that's not a bad thing! (I used my degree to get in the door of the company and then voluntarily took a demotion to save my sanity. Now I'm here for the medical benefits while working a good job with great pay. No regrets.)

  33. 10. I (my major) even pay for intern. Not much. Only 100% from my ordinary tuition fee. Welcome to medical school.
    And it doesn't named as "internship". They (universities) called it "clinical class". While I perceived it as: we work at hospital, try to understand their workflow, try to obey their procedures, report to our superordinates and our lecturer, then make a paper in the end of semester. Sounds like intern, huh?

  34. I am going to uni this year and I am so excited!! Mostly because I am studying what I like and finally leaving my shitlord household

  35. Also, if you need to take an extra year to finish your undergraduate degree, it’s okay. Most students finish in 6 years. There’s honestly no such thing as finishing on time when you are not ready for post grad life with no internships or a high enough gpa.

  36. Re: #13 – I'm 73, comfortably retired for 10 years and I still don't know what I want to do when I grow up. In the interim, I've had an incredibly varied work life that, for the most part, I enjoyed as it was happening. Don't rush it.

  37. 14 and 15 so agreed! so sick and tired when people tell me that uni years are the best years of my life

  38. I quit college and bought a house instead. Been saving money ever since I paid it off. Student loans could ruin you so be careful what you sign.

  39. It's also important to mention to avoid living on loans while you attend college! I attended college for a total seven years and finished with a graduate degree. I learned TONS of good and bad choices. Although I personally did not live on student loans (I had a scholarship), I had several friends that did. They are literally DROWNING in debt because they lived off of loans for four years straight!! They are now over $200,000 in debt! So avoid living on student loans at all costs!! Get a part-time job or get a work-study job so that you can afford to pay for a cheap apartment or to pay your way through college dorm expenses. The more you can pay on your own, the less you will be paying in interest once you graduate. I love to share this information because there are trillions of dollars in student loan debt! It is insane! We need to teach students to make better choices! Thanks for sharing these points Chelsea.

  40. This 3-Minute Guide will tell you everything you need to know about student loans: https://youtu.be/qW5apz5S78U.

  41. Found this now and this is so weird coming from a different culture. I live in Sweden and we have free collage, college loans for 0,16% interest rate (like, dumb to NOT take loans), almost no one uses credit cards, only debit, and so I don't know a single person with credit debt. Of course most of the collage partying advice and not living beyond your resources still applies but the rest is simply weird to me…

  42. If your grades aren't good you will not be considered for lots of entry level jobs. No engineering firm hires engineering grads with all "Cs", Big 4 accounting firms are only hiring people with high GPAs. The more technical the profession, the more important the grades. Some big corps. only hire the top grads from the top schools, such as Microsoft hiring engineers from MIT.

  43. The “C’s get degrees” mantra doesn’t really work if you’re a recent graduate since they do look at grades for that

  44. I nearly went to Grad school to delay real life…three years later…I'm in grad school because I have too. I'm really glad I got experience before grad school. My job is paying 4 my classes aaaaaaand I'm guaranteed a job afterwards!

  45. GPA may not matter for degrees in feminist dance theory, but for STEM, you need at least a 3.0 GPA if you want even your foot in the door. I'm studying so hard to keep my GPA higher than a 3.0 in my GIS program, because it will give me a competitive edge.

  46. 9 is very true. The answer to the question of whether you should go to grad school is almost always No with the exception being career paths that specifically require a graduate degree. As for law school, my grandfather said it best that there are too many lawyers.

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