tag:blogger.com,1999:blog-13883663993818390612024-03-07T22:36:31.095-08:00The Full MonteVincenthttp://www.blogger.com/profile/04354812498554588925noreply@blogger.comBlogger1125tag:blogger.com,1999:blog-1388366399381839061.post-88801949713967474492013-12-10T16:42:00.003-08:002014-07-04T08:53:05.347-07:00How College Failed Me<!--[if gte mso 9]><xml>
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<u><span style="font-family: "Comic Sans MS";">How College Failed Me<o:p></o:p></span></u></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-family: "Comic Sans MS";">By: Vincent Monteleone<o:p></o:p></span></div>
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<br></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none; text-indent: .5in;">
<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">I’m not a psychiatrist; I’m not a psychologist; hell I’m
not even a writer; I’m just a regular guy who has a regular guy’s opinion.<span style="mso-spacerun: yes;"> </span>As a kid you could dream anything and truly
believed that one-day in the real distant future when you grew up that you
could achieve that goal. Unfortunately we then actually grow up and “reality”
sets in, you get to do one crappy job that you went to college for till you
retire or die, whichever comes first. Only a very lucky few get to hit
homeruns or score touchdowns to pay the bills. The overwhelming majority
of us are forced to, as Tyler Durden in the movie Fight Club put so elegantly,
“Work jobs we hate to buy shit we don’t need.”<o:p></o:p></span></div>
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<br></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">In high school we are pressured by college advisors to
decide what we want to be for the rest of our lives at 16-17 years old, this
way we could pick the school that would in turn determine our futures. We
would hopefully get into this school by how well we did on some four-hour test,
that tests you on exactly zero things that will matter in the real world.<o:p></o:p></span></div>
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<br></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">Now suppose you are one of the lucky ones who scores high
enough to get into the college you want to attend. Being accepted into
the college allows you the privilege to send them tens of thousands of dollars
per semester for the honor to go to their school.<span style="mso-spacerun: yes;"> </span>The money you spend on tuition is an
investment into your future, but this investment does not guarantee you a
single thing. If you brought the investment of a college education into
the shark tank Mr. Wonderful would laugh in your face and say “But how am I
going to make my money back?"<o:p></o:p></span></div>
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<br></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;"><span style="mso-tab-count: 1;"> </span>Society
makes us believe that only people who receive college degrees can be
"successful" and get a good job. Tell society that you are
supposed to be successful when you have six figures worth of debt and are underemployed.
Can you ask for a refund on your tuition? Can you get the four
years, and in some cases more, added back on to your life? That is what we call
opportunity cost which is never properly taught through the many years of
education we are put through before we are lucky enough to go to college.<o:p></o:p></span></div>
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<br></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">Opportunity cost is simple it is what you need to give up
in order to do something else. For example you can work at McDonalds full
time for $7.75 an hour for four years or go to college for $25,000 a year.
One will earn you $64,480 and the other with cost you $100,000.
That means your opportunity cost to go to college over working in
McDonalds is $164,480. And who knows within that four years you might work your
way up to assistant manager.<o:p></o:p></span></div>
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<br></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;"><span style="mso-tab-count: 1;"> </span>In all
seriousness a 16-17 year old doesn’t look at it as a business decision or as in
the example above a $164,480 decision, because they aren’t trained to think
that way.<span style="mso-spacerun: yes;"> </span>You know why they don’t think
that way, because they were never taught the concept of money.<span style="mso-spacerun: yes;"> </span>Sure they know that a pack of cigarettes cost
$12, but they’ll still buy a loosey from someone for $1 without knowing they
are giving that person an amazing 67% return on their investment.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<br></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">Phrases like opportunity cost and return on investment
will draw you a blank stare from the vast majority of high schoolers.<span style="mso-spacerun: yes;"> </span>If you ask them what they expect the
principal on their student loan for college to be they will be confused as to
what Mr. Johnson has to do with their student loan.<span style="mso-spacerun: yes;"> </span>It seems right that when people are about to
take out what most likely will be the second biggest loan of their life, that
they have no idea about money and how it works.<span style="mso-spacerun: yes;">
</span>They don’t know simple things like what compounding interest is and the
difference it makes whether your loan compounds bimonthly or monthly.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">You all heard your parents and grandparents say it to you,
go to school study hard get good grades so that one day you can get a good job.<span style="mso-spacerun: yes;"> </span>The goal for everyone who goes to school is
that when you are finally done going to school you can get a good job.<span style="mso-spacerun: yes;"> </span>Regardless of what this job is or what field
it is in this job will pay you money.<span style="mso-spacerun: yes;">
</span>All the while kids can understand Pythagorean theorem and tell you that
the c in a^2 + b^2 = c^2 is the hypotenuse, but they have not the slightest
idea of what a 1031 exchange is and the tax benefits it provides.<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">I realized this one day upon getting close to graduating
college when the safety net of being a student was about to be ripped out from
under me; I haven’t been taught anything tangible that I can take with me to
one day be a better man, better husband and better father.<span style="mso-spacerun: yes;"> </span>That’s a horrible feeling to be feeling upon
completing the supposed biggest accomplishment of one’s life.<span style="mso-spacerun: yes;"> </span>I was then a pissed off college student and
am now a pissed off college graduate.<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">The day I became a pissed off college student was during
my last core class which was a science class.<span style="mso-spacerun: yes;">
</span>I was zoning out thinking about how this stuff will never apply to me
and how real little I knew about the real world and how to get ahead.<span style="mso-spacerun: yes;"> </span>I was thinking about getting caught in a life
living paycheck to paycheck and how would I ever make enough money.<span style="mso-spacerun: yes;"> </span>I knew very little about money and how it
works and I went to a school known for business and was graduating with a
business degree.<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">I skipped my next class and walked to Barnes and Noble and
made a pledge that I am going to spend most of my free time self-educating
myself.<span style="mso-spacerun: yes;"> </span>So I picked up a book titled
“Rich Dad, Poor Dad” by Robert T. Kiyosaki and couldn’t put it down.<span style="mso-spacerun: yes;"> </span>“Sometimes you win, and sometimes you learn”
was a quote from the book.<span style="mso-spacerun: yes;"> </span>That day was
the biggest learning experience of my life, college teaches you how to be an
employee not the boss.<span style="mso-spacerun: yes;"> </span>College teaches
you how to be a good soldier wake up early go to work put your 8 hours plus in
and go home.<span style="mso-spacerun: yes;"> </span>Get your paycheck spend the
whole thing on a house, lease payments of cars you can’t afford and designer
clothes.<span style="mso-spacerun: yes;"> </span>You want more money work harder
and make your boss more money and maybe you will be lucky enough to get a raise
for a fraction of what you made him.<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">College specializes you into one small field and turns you
into something that you must be for the rest of your life.<span style="mso-spacerun: yes;"> </span>For example, if you go to school to be an
accountant you are an accountant till the end of time.<span style="mso-spacerun: yes;"> </span>You can’t just decide to be a teacher in a
few years, you made your decision on what you would be when you were in high
school.<span style="mso-spacerun: yes;"> </span>But I thought college promised
to make you a well-rounded individual? I did too.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">It actually did the exact opposite by specializing you
into a distinct industry.<span style="mso-spacerun: yes;"> </span>Instead of
teaching you a little about a lot, it taught you a lot about a little.<span style="mso-spacerun: yes;"> </span>Knowledge is power they say, correct, yet it
is one of the easiest resources to obtain.<span style="mso-spacerun: yes;">
</span>I am not an accountant yet I just hire an accountant to help keep my
books in order and I have the knowledge of accountancy for a small percentage
of what those accounts earn.<span style="mso-spacerun: yes;"> </span>Having
computer trouble I just hire a computer technician to help me with that.<span style="mso-spacerun: yes;"> </span>If I want to know about anything, I can just
pick up a book that someone else spent years researching on and read it in a
week and have the same knowledge as them.<span style="mso-spacerun: yes;">
</span>The most important knowledge you can have is knowing when to inquire the
services of someone who knows more than you do.<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">Ignorance is not bliss, ignorance allows you to be taken
advantage of and put into a never-ending cycle of never getting ahead.<span style="mso-spacerun: yes;"> </span>People think that money is the answer to
their money problems, but that is not true, “Money without financial
intelligence, is money soon gone” – (Robert T. Kiyosaki). There is a reason why
people who hit the lottery or get drafted in the NBA lottery go broke; because
they have no idea how to handle the large amounts of money they receive due to
ignorance.<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">The school system has failed us all; sure I am smarter and
became smarter with each year of schooling but in what?<span style="mso-spacerun: yes;"> </span>I put in countless hours of studying in
Chemistry, Calculus and Shakespeare in the hopes of becoming what every college
promises “a well rounded individual”.<span style="mso-spacerun: yes;"> </span>School
has failed me and continues to fail us all and keep us stuck in the middle
class that gets further and further away from the rich.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">Think about it, who was the last big success that graduated
college?<span style="mso-spacerun: yes;"> </span>Bill Gates?<span style="mso-spacerun: yes;"> </span>Steve Jobs?<span style="mso-spacerun: yes;">
</span>Mark Zuckerberg?<span style="mso-spacerun: yes;"> </span>Jenny Craig?<span style="mso-spacerun: yes;"> </span>Michael Dell?<span style="mso-spacerun: yes;">
</span>Ray Kroc? Henry Ford?<span style="mso-spacerun: yes;"> </span>Walt
Disney?<span style="mso-spacerun: yes;"> </span>Andrew Carnegie?<span style="mso-spacerun: yes;"> </span>They all did not graduate from college and I think
they turned out okay.<span style="mso-spacerun: yes;"> </span>Thomas Edison
founder of a company that we all know today, General Electric, also did not graduate from college.<span style="mso-spacerun: yes;"> </span>He was even called dumb and
thought to be stupid by many of his teachers growing up.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">School takes the individuality out of us and makes us
believe that mistakes are bad and that we are stupid for making them.<span style="mso-spacerun: yes;"> </span>The greatest inventions in our lifetime have
come from someone making mistake after mistake and learning from it.<span style="mso-spacerun: yes;"> </span>We all learned how to ride a bike by making
mistakes.<span style="mso-spacerun: yes;"> </span>No one was taught to ride a
bike.<span style="mso-spacerun: yes;"> </span>There is no book you can read that
will teach you how to ride a bike.<span style="mso-spacerun: yes;"> </span>You
simply need to make mistake after mistake until you finally learn how to ride a
bike.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: "Comic Sans MS"; mso-bidi-font-family: Arial;">Making mistakes and learning from them is what makes us
human and brings out the best in each and everyone of us.<span style="mso-spacerun: yes;"> </span>College teaches from the book and turns you
into someone that doesn’t think outside the box because it is frowned
upon.<span style="mso-spacerun: yes;"> </span>Some of the best businesses came
from outside the box thinking, but us college graduates will never be the owner
of those businesses.<span style="mso-spacerun: yes;"> </span>We will be stuck
working for those outside the box thinkers for a modest wage and counting our
pennies till the day we die because that is what college taught us to do.<o:p></o:p></span></div>
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<!--EndFragment-->Vincenthttp://www.blogger.com/profile/04354812498554588925noreply@blogger.com0