The Case For NOT Saving For College

[LnGrrrR]

I see...

Too good for any minimum wage job.

That's a wrong at ude in my book. Any extra money helps.

Sure, you can get a minimum wage job, but that's not going to appreciably help pay down the debt a lot of people are incurring. If you're working 40 hours a week somewhere at minimum wage, you're making 7.25 an hour X 40 hours = 290 dollars a week. That's roughly $1200 a month, before taxes. Let's say $100 bucks gets taken out in taxes, so he has $1100 spending money per month.

Let's say this person found a hole in the wall apartment for $400 a month. Now he's got $700 a month to go. Utilities are probably another $100, but say he uses a lot of candles so he only spend $50. Groceries are probably around $150 a month, assuming he never goes out to eat anywhere. Now he's down to $400. If he lives in the city he might be able to use urban transportation, but let's say he needs a car to get to work. That's probably another $150 a month, including gas. Now he's got $250 a month.

Leaving out any sort of other expense, he's got $250 spending money... per month. Unless you're going to a really cheap community college, that will cover... what, an HOUR of school?

[Blake]

There's lots of jobs one can do homework at. What one person deems impossible the next might think its the easy road.

Our grand fathers would probably be studying to become a doctor while working a full time night job as a hotel check in. Meanwhile he'd be doing homework and catching a snooze at night. On weekends he'd be fixing up the old house for his newlywed bride.

But today we say we can't get a job because we don't have a car.

Cool made up anecdotes.

[LnGrrrR]

There's lots of jobs one can do homework at. What one person deems impossible the next might think its the easy road.

Our grand fathers would probably be studying to become a doctor while working a full time night job as a hotel check in. Meanwhile he'd be doing homework and catching a snooze at night. On weekends he'd be fixing up the old house for his newlywed bride.

But today we say we can't get a job because we don't have a car.

So he's sleeping on the job?

[DarrinS]

with some degree programs, it's nearly impossible to work a part time job and go to school full time.

Nearly impossible? If you're going to med school.

[MannyIsGod]

True.

And a lot of young, progressives are deciding not to have kids. It will only get worse.

Yes because the best idea is to continue with a pyramid scheme makeup and ignore the actual nature of limited resources on our planet.

[Blake]

Nearly impossible? If you're going to med school.

Yup.

[Blake]

So he's sleeping on the job?

lol

[MannyIsGod]

Sure, you can get a minimum wage job, but that's not going to appreciably help pay down the debt a lot of people are incurring. If you're working 40 hours a week somewhere at minimum wage, you're making 7.25 an hour X 40 hours = 290 dollars a week. That's roughly $1200 a month, before taxes. Let's say $100 bucks gets taken out in taxes, so he has $1100 spending money per month.

Let's say this person found a hole in the wall apartment for $400 a month. Now he's got $700 a month to go. Utilities are probably another $100, but say he uses a lot of candles so he only spend $50. Groceries are probably around $150 a month, assuming he never goes out to eat anywhere. Now he's down to $400. If he lives in the city he might be able to use urban transportation, but let's say he needs a car to get to work. That's probably another $150 a month, including gas. Now he's got $250 a month.

Leaving out any sort of other expense, he's got $250 spending money... per month. Unless you're going to a really cheap community college, that will cover... what, an HOUR of school?

150 for a car per month? Yeah maybe just for gas and maintence. I know you were making a point and making things cheaper but there's no point since your numbers are unrealistic (except rent) the point should be that there isn't ANY money leftover for college because there really isn't enough money to live off of to begin with.

[DarrinS]

Yes because the best idea is to continue with a pyramid scheme makeup and ignore the actual nature of limited resources on our planet.

lol, Population Bomb drivel, a.k.a. that didn't happen

[LnGrrrR]

150 for a car per month? Yeah maybe just for gas and maintence. I know you were making a point and making things cheaper but there's no point since your numbers are unrealistic (except rent) the point should be that there isn't ANY money leftover for college because there really isn't enough money to live off of to begin with.

Shhhhh let WC respond first.

[MannyIsGod]

lol, Population Bomb drivel, a.k.a. that didn't happen

You think the earth has an unlimited carrying capacity? Of course you do because you never listen to those who are experts in their respective fields and instead just prefer to go along with your conformation bias on any particular subject. Darrin has kids, ergo anything that makes it seem like a good idea to have kids is what Darrin is going to believe. Not only is it not his job to help save to plan for their future, its now also their responsibility to provide for him and the rest of his ty generation when the time comes.

You're very thoughtful, Darrin.

[MannyIsGod]

Shhhhh let WC respond first.

You lost WC when you started using math.

[DarrinS]

You think the earth has an unlimited carrying capacity? Of course you do because you never listen to those who are experts in their respective fields and instead just prefer to go along with your conformation bias on any particular subject. Darrin has kids, ergo anything that makes it seem like a good idea to have kids is what Darrin is going to believe. Not only is it not his job to help save to plan for their future, its now also their responsibility to provide for him and the rest of his ty generation when the time comes.

You're very thoughtful, Darrin.

Strange how greenies, like you, appreciate the concept of sustainabililty, but never apply the concept to human beings and en lement spending. By NOT having kids, you are unwittingly screwing your own generation (and future generations).

[MannyIsGod]

Strange how greenies, like you, appreciate the concept of sustainabililty, but never apply the concept to human beings and en lement spending. By NOT having kids, you are unwittingly screwing your own generation (and future generations).

Strange how this post is completely devoid of logic. Your generalizations assume there is only one way to pay for en lement spending and or that all people who worry about sustainability have the same ideas about en lements to begin with.

[DarrinS]

Strange how this post is completely devoid of logic. Your generalizations assume there is only one way to pay for en lement spending and or that all people who worry about sustainability have the same ideas about en lements to begin with.

I assume that it will have to be with money

[sickdsm]

So he's sleeping on the job?

Yes. Lots of small town hotel front desk people do things other than stare at the door all night.

My example is how previous generations just "made it happen".

Now we quit before even starting. I love how my example raised eyebrows about the doctor story but the part about not working because of the lack of a car wasn't of any concern.

They were both made up examples but i was thinking of my wife's grandpa. He was working 60 hr weeks at a factory two years when his new wife was expecting/gave birth. After/before work and on the weekends he built his house from scratch.

Now we demand some first time home buyers credit program.

[sickdsm]

Minimum wage is a supplemental income. High school, retired, night time job.

I may be conservative but not delusional. You cannot survive on minimum wage, regardless of what that is at. You raise min wage all wages need to be adjusted to separate the trash from the gems.

[Blake]

Yes. Lots of small town hotel front desk people do things other than stare at the door all night.

My example is how previous generations just "made it happen".

Now we quit before even starting. I love how my example raised eyebrows about the doctor story but the part about not working because of the lack of a car wasn't of any concern.

They were both made up examples but i was thinking of my wife's grandpa. He was working 60 hr weeks at a factory two years when his new wife was expecting/gave birth. After/before work and on the weekends he built his house from scratch.

Now we demand some first time home buyers credit program.

the lesson here being that students should move to small towns to go to college in order to work at a mom and pop motel.

[Drachen]

the lesson here being that students should move to small towns to go to college in order to work at a mom and pop motel.

You can work night shift at a diamond shamrock in town. You can work full time and go to school, this still does nothing to explain away the fact that college is getting exponentially more expensive even when compared to "everything else" that is getting more expensive. I don't care how much WC and DarrinS want to equate rising degree costs with general inflation it is not the same and no amount of elbow grease is going to change that. Do I think that people shouldn't try? No, but the fact of the matter is that working while going to school isn't the panacea that some of y'all think that it is.

Lngrrr for what it's worth, credits 1-6 at SAC are a flat rate of 480 not including fees and books. Still doesn't matter since you cheaped out on your figures other than the rent and food and there would be zero dollars left in your example except for maybe one six pack a month.

edited because no one needs my preachiness.

[DarrinS]

You can work night shift at a diamond shamrock in town. You can work full time and go to school, this still does nothing to explain away the fact that college is getting exponentially more expensive even when compared to "everything else" that is getting more expens live. I don't care how much WC and DarrinS want to equate rising degree costs with general inflation it is not the same and no amount of elbow grease is going to change that. Do I think that people shouldn't try? No, but the fact of the matter is that working while going to school isn't the panacea that some of y'all think that it is.

For me, working during college wasn't so much a panacea -- rather, it was the most practical option.

[Blake]

You can work night shift at a diamond shamrock in town. You can work full time and go to school, this still does nothing to explain away the fact that college is getting exponentially more expensive even when compared to "everything else" that is getting more expensive. I don't care how much WC and DarrinS want to equate rising degree costs with general inflation it is not the same and no amount of elbow grease is going to change that. Do I think that people shouldn't try? No, but the fact of the matter is that working while going to school isn't the panacea that some of y'all think that it is.

Lngrrr for what it's worth, credits 1-6 at SAC are a flat rate of 480 not including fees and books. Still doesn't matter since you cheaped out on your figures other than the rent and food and there would be zero dollars left in your example except for maybe one six pack a month.

edited because no one needs my preachiness.

I would tend to agree.

Especially if attending a private school

[Drachen]

understood, but pretending like working is going to pay for any amount of school is a fun thought experiment. Probably not much more than that though. FWIW, I agree that people should work to pay their living expenses while in school. However, I am beginning to think about getting a law degree and as I understand it I will have a hard time working while earning such a degree. I don't know, we shall see. I likely won't do it, but it is just an idea. I don't want another 4 years in school though.

[LnGrrrR]

Yes. Lots of small town hotel front desk people do things other than stare at the door all night.

My example is how previous generations just "made it happen".

Now we quit before even starting. I love how my example raised eyebrows about the doctor story but the part about not working because of the lack of a car wasn't of any concern.

They were both made up examples but i was thinking of my wife's grandpa. He was working 60 hr weeks at a factory two years when his new wife was expecting/gave birth. After/before work and on the weekends he built his house from scratch.

Now we demand some first time home buyers credit program.

So people in the greatest generation "made it happen" by sleeping on the job. Gotcha.

Where did they live while he was building the home from scratch?

[Blake]

Where did they live while he was building the home from scratch?

Probably in the horseless carriage his gramps built from scratch.

[LnGrrrR]

You can work night shift at a diamond shamrock in town. You can work full time and go to school, this still does nothing to explain away the fact that college is getting exponentially more expensive even when compared to "everything else" that is getting more expensive. I don't care how much WC and DarrinS want to equate rising degree costs with general inflation it is not the same and no amount of elbow grease is going to change that. Do I think that people shouldn't try? No, but the fact of the matter is that working while going to school isn't the panacea that some of y'all think that it is.

Lngrrr for what it's worth, credits 1-6 at SAC are a flat rate of 480 not including fees and books. Still doesn't matter since you cheaped out on your figures other than the rent and food and there would be zero dollars left in your example except for maybe one six pack a month.

edited because no one needs my preachiness.

Thanks for getting my overall point Drachen.