Why College Keeps You Broke & Dating Costs More Than You Think

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0:58We'll be right back. too smart to pay dumb. Free app-based talk and text via the TextNow app requires Wi-Fi or data connection. Data plans sold separately. 5G where available. Earners, what's up? Look, on Earn Your Leisure, we're all about smart money moves. And here's one that most people skip. Car insurance renews on autopilot, the rates creep up, and nobody tells you. That's what Insurify fixes. In about two minutes, completely free, you can see rates from more than 120 top insurance companies. And if there's nothing better today, they keep watching and notify you when there's a better rate.

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4:34They don't even have enough education to be educated. So they don't really know what college you should be going to. They don't know exactly what degree earns the most money. It's trial and error. They're just going off of what they think, what they want, what they like the mascot. and it's a debt trap and it's it's you're never you're never going to get the full value out of this degree so you're going to school for four years sometimes five you're racking up 50 100 150 000 in student debt you're getting out of school you can't find a job or if you find a job you it's going to be nothing it's tough even people mbas are having a tough time getting jobs And then you're going to be paying$1 ,500 a month for the next 30 years.

5:24Yeah. And truth be told, the student loan crisis should have caused a collapse in the market, but they keep finding ways to avoid that disaster. And then tied with the bond market being in disarray and rates going higher. We're getting to an inflection point, but that ties into the endowment. It's tough. but once again it's targeted to the most i want this is this is important people to understand it's targeted to the most vulnerable this is really predatory lending it's targeted to the most vulnerable population that does not have enough education to know the process of education so you're selling dreams this is kind of like gambling you're selling a dream that if you go to college, this will be a pathway to make money and to be a successful person.

6:18And once again, we're pro-education, but the financial risk is higher than it's ever been. And then when this was being pitched in the 80s and 90s and early 2000s, some people are walking away from undergrad with$290 ,000 in debt. There's way too many colleges right now. And there's way too many degrees. if it's up to me, I would combine a bunch of these. There's no need. There's no 400 colleges, 500 colleges at the most. State schools, it should be three state schools in every state. Down state, mid state, up state. But now you get to mess with the endowment money. Why do you need 100 state schools?

7:05Why do you need 100 state schools in one state? If it's a state, just think about that. If it's a state school, technically you should only have one school for the state. All of the resources, all of the information, all of it should be put. Okay. But then you start to have monopolies and then the government That's why I said three. Downstate, midstate, upstate. We don't need 70 state schools in one state. You're starting to mess with the money, Flourish. That's the other part. The endowment program, booster program, real estate development,

7:46academic grants, book program. There's a lot of money that funnels through those channels. If you just get time, just go search up the history of universities and then college and the money that flows through each one, it's really fascinating. It's a great solution, but in America you often don't want going back to our capitalism conversation with van and 19 keys um the correct solution would to be to do that and shrink the number of degrees but then you start to cut off funding for said departments and programs and that the slush fund isn't as available so it's interesting to say the least um picking up from monday i know you said people won't uh stop being outside and there's moderation to chasing women what for the fellas what is the moderation and how much time you should spend on extracurricular activities to me when you broke you shouldn't be chasing women at all but if given if i but once again i go back to a strong relationship can help you.

9:00So I was

9:04this whole thing of chasing, find. I like the word find better. Find, yes. Find one person. Dating all of that is a luxury afforded to people that can afford it. I feel like if you're trying to figure it out, if you're still struggling, if you aren't, there's nothing wrong with that, but it's going to cost you money, time, energy, and resources to go on a bunch of dates and to go on dating abs and to date. You don't, you're not, you're not in a position, you know, they say cheating is a rich man sport. Dating is a rich man sport. Really? If you really think about it, fine. It's time. Yeah. Either be by yourself or find a partner and build with that one partner.

9:56One, not multiple people. You're not afforded the luxury of multiple people if you're still struggling. I'm not saying this to be condescending. I'm saying this is just being somebody that actually does care about you and does love you. Because everywhere that you've been, I've been. I just chose to be by myself. Isolation. I was isolated for a while. I know that that's not realistic for most people. So if it's not realistic for most people, then just find that one person that's really down, that can help you, that's down to struggle with you, that's down, and you can build each other up. All you need is one in that situation.

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17:23And for everyone who keeps saying, yo, I'm not from New York, but he is. I toured some places. All these places are y 'all saying that you can find$1 ,200 rent in New York and Manhattan? Where? I don't even respond. I don't even... The internet is such a... I had to learn this. I'm not even responding to stupid shit no more. because people are saying, yo, I see one piece say like, yo, they lying. The word lying is a very strong word to use, but they're like, yo, they lying. They don't know what they talking about. Like, I'm not speaking from, I'm speaking from real life experience. Real life experience that I know firsthand.

18:07Firsthand. I had an apartment in Manhattan. I had an apartment outside the city. I have a house. Like, I'm not going back and forth with anybody. on the internet. I, I have, I'm qualified to speak on this situation. I don't know how much the rent is in, you know, a basement apartment in far Rockaway. Of course, you're always going to have some level of, we didn't say, we said Manhattan, we specifically said Manhattan and it is what it is. Like, yeah, of course you can always try to find, you know, there's loopholes that I'm just saying people that usually I'm not looking for the loophole and, you know, I need an apartment.

18:50It's not there in Jersey. I looked. It's not there in Connecticut. People just say anything. Just say anything. What conviction? You don't know what you're talking about. You can definitely find an$800 apartment. Where? Send it to me. If it don't look like coming to America. When an old boy fell down. I got to lie on your application. Talk about this for your grandmother. for the rent control. I'm not doing all of that. But, hey, do what you want. Do what you want. I think that's a great lesson of the week. Don't listen to the bullshit on the internet. Do what you want. I don't care. Do what you want.

19:31Waka Flocka, let's show this clip. Yeah, but why would I not live with my mother? What makes me less than a man not live with my mama? I don't get it. She getting old. Why the fuck would I leave all the bills on her? All the ideas. Why would I leave people to hang in my mama's house and get up under her? like no sir I'm a humble these years you know what I'm saying she in her 60s let me humble these years and get in the house with all 70 of me I should stay in here let me get a room back in here that's how I feel I ain't trying to think but that's just how I love my mom I love my uncles my auntie's like once they gone they gone bro once they gone they gone man y 'all had that conversation about you moving back home then what she can't wait huh oh she can't wait I got a room house right now i don't even got a house right now i'm literally remodeling i'm i'm at the point in life right now it's like i'm done like i love atlanta but i'm kind of like it's getting to the point like your bill's not expensive you want to live in that expensive ass house instead of moving in with each other to cut down the bills to stack money for 12 months why you don't want to live with chokers you want to bring girls all day you want to smoke you want to do this but you're too busy thinking about a hot person looking at you.

20:38Okay. Shout out to Walker. He said living with your mother is nothing to be ashamed of. He's thinking about moving in with his mother. Apparently doesn't live anywhere, I guess. He's kind of like on his Kanye flow. Yeah, Kanye, Elon. Floating? Mm-hmm.

21:03I don't know. You got a heart The part that Well first and foremost I want to say this Shout out to Walker, a friend of the show Walker's not broke So far I saw some of them comments He fell out Walker's been in crypto He's been in stocks, he got some real estate That's the other Maneuver a lot of rich people get off Like I'm not scared to do it Like when Buffett be like I don't have a private plane I just drive a Lincoln Not in your name, you don't I get you. Your own fucking net jets. Okay. But I do think even for me, like it is getting to a point for me where I miss having immediate access to my mother and father.

21:52So I think it's dope. Like if he goes back home now, there's another set of issues of how it's going to work because in theory, it sounds really good, right? So I think the guest home thing would probably be like ideal. but I do commend him for wanting to spend that time because to be very honest, we are getting older and you only have a certain amount of time that you are going to be able to have with your parents. So I think you should fully appreciate it. But once again, I think it's too much pushback. And one of the things that social media has done, digital devices and apps have replaced the quality time with the people that you love.

22:28So I'm not mad at him for this, but before you sign off, If you tuned in for ways to help teams move faster, make sharper decisions, and turn scattered context into work they can use, ChatGPT for Business can help. ChatGPT for Business gives teams a shared workspace with admin controls, permissions, and access to work and codecs in ChatGPT. This means your business can move from question to answer and code to rollout quicker. Join over 10 million business and enterprise users worldwide already using ChatGPT for Work. Download the ChatGPT desktop app or contact sales to learn more.

23:31side by side. About two minutes, free, no phone calls, no pressure. And if there's nothing better for you right now, Insurify keeps watching and tells you when that changes so you're never stuck overpaying. Millions of people have used Insurify to shop for their car insurance. So insure with Insurify. Go to Insurify.com. That's I-N-S-U-R-I-F-Y.com. Insurify.com. earners what's up look building wealth isn't just about making money it's about knowing where your money is working for you that's why we partner with empower empower is all about helping you invest well so you can go out and live a little their free empower personal dashboard gives you a complete view of your financial life in one place track your net worth monitor your budget analyze your investments set retirement goals and more you've worked hard for your money now make sure it's working hard for you.

24:25Download the Empower personal dashboard or visit Empower.com. Not an Empower client paid or sponsored.

24:53I have the money, but I've got something more valuable. You shall know the truth. The truth? They'll make you free. The Fix, now playing in theaters. You already know how AI is changing how everyday work gets done, how much ground you can cover, and how fast a team can scale. To stay ahead, you need the tools that give you a competitive advantage, built for this new era. Welcome to Agentic Revenue. Adio is the CRM for this world. It meets you where you work. compounds every customer signal into context, then acts on it across your pipeline to let you move at unmatched speed and scale. With agents and automations for every job in revenue, Adio orchestrates your work around the clock.

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