Tag: debt

10 Reasons People Stay in Debt – Post 412


anchorEpisode 5 – 10 Reasons People Stay in Debt

In our last podcast we talked about 10 budgeting Myths and setting goals. Today let’s talk about another budgeting myth poor people believe, “Debt’s Not So Bad, Right?”

If you are like me I’m sure you heard folks say, “If everyone stopped borrowing money, the economy would fail.” Of course that’s not true.

A) Everyone’s not going to stop borrowing and

B) the massive amount of debt this society carries could actually BE the cause of an economic meltdown.

I’ve also heard folks say, “I must be able to afford it if I was approved for the loan.” Folks, all the credit card companies and other lenders care is that you are paying them that high interest payment. And yes even a 5 or 6% interest payment is high when you consider how little these same institutions pay you for your savings, if you even have a savings account.

And my favorite is, “I need a house payment for tax purposes.” You’re paying way more in interest than you are ever saving in tax deductions.

Have you decided to get out of debt? Are you drowning in last year’s expenses and tired of paying for the past instead of planning for the future?

You’re probably sick and tired of being sick and tired. You might even be angry at being in debt. Eventually, the stress of too many bills and the burden of debt piling up pushed you to your breaking point. Something inside “clicks,” and you decided it’s time to make a fresh start.

But what keeps people from getting out of debt? Why would someone want to stay in debt instead of living in freedom? Sadly, there are all sorts of reasons people choose that shiny credit card instead of being debt-free. Don’t fall for any of these!

Let’s talk about some Reasons People Stay in Debt

1. They want to keep up appearances.

This is the dreaded “keeping up with the Joneses” mentality. But little do you know, the Joneses have a leased BMW, an underwater mortgage, and an unwelcome visitor named Sallie Mae living in their basement. The Joneses are the most broke people in your neighborhood! And if you’re not careful, you’ll be following them into bankruptcy by trying to keep up with them.

If you have trouble with constantly falling into the comparison trap, consider some sound advice from best-selling author Rachel Cruze. In her book Love Your Life, Not Theirs, she shows you how to quit playing the comparison game, how to think before you actually spend money, and how to start saving like you truly mean it. Pretty soon you’ll be so caught up in your own life you’ll find yourself saying, “The Joneses who?”

2. Reason People Stay in Debt: They don’t think they make enough money.

Most of the time, it’s not someone’s salary that’s the problem—it’s their behavior. Spending more money than you make will cause you to stay in debt. That’s why we say it’s so important to budget.

Budgeting can help you see where your money is going every month and where you can cut back. Simply making a budget and being intentional with your money will make you feel like you got a raise!

That’s not to say income doesn’t play a large role in why people stay in debt. Sometimes it really is an income issue. If that’s the case for you, start doing things to bring in extra cash! Get a part-time job on nights or weekends and sell everything that’s been collecting dust in your garage. Or maybe it’s time to get bold enough to ask for a raise or put your resume out there and start looking for a higher paying job.

I can show you how to start your own business to get out of debt with no up-front investment, no pyramid that requires a monthly auto shipment costing you money instead of creating money, and no selling of lotions, or potions or pills, or quick magic diet aids that melt away inches in minutes or other such scam promotions. Stay tuned to the end and I will share with you how to learn more.

3. Reason People Stay in Debt: They are Unwilling to Sacrifice.

How could you possibly give up eating out three nights a week? Or what would your life look like without cable? You’ll never know until you’re willing to give something up in order to build a legacy for your future. If you’re in a lot of debt, something in your lifestyle has to change. Here’s a question to ask yourself: What am I willing to temporarily give up?

4. Reason People Stay in Debt: They have No Hope.

When you’re buried under thousands of dollars of debt, it’s easy to feel like there’s no way out. After making minimum payments month after month and seeing little or no headway, sometimes you feel like you’ll never see the light at the end of the tunnel. If you can’t find a reason to keep up the fight, sooner or later you’ll probably just throw in the towel.

Some people stay in debt because they’re too afraid to make a move. Debt can be comfortable, kind of like slowly cooking in a pot of boiling water. If you’ve always used a credit card and you’ve always had a car payment, I remember thinking years ago, “I’m always going to have a car payment, I might as well get a new car every year or so.” Boy does it feel so much better today to have a paid for car and not have that payment over my head every month.

Sometimes it’s hard to make that change.  Sure, trying to pay off all of what looks like a mountain of debt can be scary and overwhelming. But remember this: Millions of people have gotten out of debt and changed their lives by following Dave Ramsey’s 7 Baby Steps like we did. You can do this!

5. Reason People Stay in Debt: They’re addicted to stuff. They suffer from Stuffitis

In other words, they’ve bought into the myth that you are what you own—and they simply can’t get enough. The more they have, the more powerful and confident they feel. But it’s all fake. They can’t afford that stuff and it’s going to weigh them down. At some point their addiction to debt will cause a financial heart attack.

Our culture has twisted what it means to actually be able to afford something. Society echoes, “If you can ‘afford’ the minimum payment, then go ahead and buy it!” That’s just ridiculous, and it’s a sure ticket to financial regret. You’ll end up spending more on monthly payments to pay it off than if you would have just bought it outright! Instead, don’t buy things you can’t pay for in cash.

6. Reason People Stay in Debt: They don’t make it a priority.

They keep putting it off thinking, I’ll start a budget next month. But each month passes by and guess what? Still no budget. Paying off debt isn’t exactly a fun pastime. It takes a lot of work! We know changing your lifestyle is uncomfortable, but the end result is, it is 100% worth it. Make it a priority!

7. Reason People Stay in Debt: Their spouse isn’t on the same page.

Money and relationships can be tricky territory, especially when a couple isn’t seeing eye to eye. Maybe one of you is fully committed to becoming debt-free and the other isn’t quite convinced that debt is all that bad anyway. If you really want to get out of debt, you and your spouse have to be on the same page with the same vision for your future.

And remember, it’s not “my” money or “their” money—it’s our money. Once you get married, your vocabulary needs to change. You’re on the same team, and it’s time to start acting like it.

The same goes for your debt. It’s not “his credit card debt” or “her student loans,” it’s your collective debt together. And if you want to get rid of it, you need to tackle it as a united front.

8. Reason People Stay in Debt: They aren’t managing their money.

According to a survey by U.S. Bank, only 41% of Americans follow a budget.(1)

No wonder so many people feel like they’re spinning their wheels getting out of debt! If you don’t have a monthly budget, you don’t really have a plan for your money. You aren’t telling your money where to go, so it’s going out the window!

Managing your money means more than just tracking your expenses after they’ve already happened. You have to prepare ahead. There is a free budgeting app, EveryDollar, from the Lampo Group that you can find in your smartphone app store that makes it super easy to create a budget. You’ll finally wave goodbye to stressing out about your money once you actually take control of it.

9. Reason People Stay in Debt: They haven’t cut up their credit cards.

Getting out of debt is amazing. But if you keep those credit cards around for a rainy day or “emergency,” you’ll likely land yourself back in debt again. Just don’t do it. Cut them up, close the accounts, and be done with them forever. If you follow our plan, your emergency fund is your safety net—not credit cards.

10. Reason People Stay in Debt: They don’t know how.

These people have good intentions—they want to kick debt to the curb—but they don’t know how. They’ve been in debt so long that getting out from under $50,000 in credit card bills seems impossible. But it isn’t. People call The Dave Ramsey Show every day to tell about their debt-free victories.

Getting out of debt isn’t easy. It takes a lot of hard work and discipline. But it is not impossible. All you need is a plan.

In Dave Ramsey’s book, Financial Peace he introduces the debt snowball method as a simple plan for helping you get out of debt. Start by listing out all your debts from smallest to largest. Keep paying the minimum payments on everything except the lowest debt—we want you to attack that one with a vengeance! Once it’s gone and out of your life forever, take the amount you were paying on it and roll that over to your next debt on the list. It might not seem logical to start with the smallest debt and work your way up. It might seem more logical to start with the highest interest rate first. Trust me! By starting with the lowest debt first, when you pay off that smaller debt the feeling of victory and accomplishment motivates you to keep going. So what if it might on paper take a couple extra months. When doing it the other way, most people never finish, they give up, the feeling of hopelessness squashes all the motivation they had in the beginning when they started.

People are making the decision to get out of debt and change their lives every day. They’re making sacrifices so they can live like no one else! Are you next? Take control of your finances—and your life—by deciding to get out of debt for good!

Now is the best time to start taking control of your money! I’ll be covering many topics to teach and encourage saving and debt freedom. Be sure to subscribe to this podcast and my blog at ProsperityRx.com to learn how to save money, make a budget, pay off your debt, reduce your taxes and invest for your future.

Also if you want to learn more about how to create extra income by starting a home business that requires no startup capital, no pyramid that requires a monthly auto shipment that cost you money every month instead of creating money, and no selling of lotions, or potions or pills, or quick magic diet aids that melts away inches in minutes or other such scam promotions that you see all over social media visit http://AIMHighForSuccess.com.

Start Today!

I’ll see you on the next podcast

Financial Slavery – Post 356

This story sound familiar: Dad comes home, slams the door, shouts at the dog, kicks the cat, and almost kills the canary. The children hide under the bed, while his wife carefully placed a bowl of soup on the table.

“It looks like Dad had a bad day,” whispered one of the little brothers hiding outside the line of fire.

Lately, it seemed that every day was bad for Dad.

Dad was experiencing the stress of living in financial slavery.

It wasn’t that dad was poor or didn’t earn enough money.

Financial slavery occurs when money and finances occupy the priority place in our lives.

Financial slavery occurs when what we owe dictates the lives we live.

Financial slavery occurs when what we owe dictates the jobs we hold.

Do you find yourself with:

  • Excessive Concern about Finances
    People in financial slavery are under such economic stress that they can’t get their finances out of their heads. At home, they worry about finances; at work, they think about their bills; driving the car, they calculate their bank account; eating dinner, they plan how they will make their payments. It makes them a giant bag of nerves.
  • Anger, Wrath, and Bad MoodsWith financial pressure bothering them all time, they’re often in a bad mood. They shout, they’re nervous, they get angry for no reason, and people generally prefer to avoid them.

Is this you?

Did you know the system is set up to keep you in fincial slavery?

The deck is stacked against you, but the good news is
You Don’t Have to Play Their Games,
there is a better way.

http://AIMHighForSuccess.com

What to Say to Negative Prospects? – Post 331

You know the type.

They say, “Oh, I would never do network marketing. I don’t want to talk to my friends about something that would help them or improve their lives. I need to relax when I get home from my miserable job.”

Those people.

So let’s think about it. They have made a decision to wake up early when it is dark to go to work. They will fight traffic while commuting to a miserable job they hate. They will come home when it is dark. And they have agreed to do that almost every day of their lives.

They are willing to sacrifice their happiness and lives to earn just enough money to stay in debt and barely survive. Now, that is a big, big sacrifice, so you know they are not lazy.

So why is it they won’t join network marketing?

Because they don’t believe it will work for them. They are afraid that their friends will reject them, that they don’t know enough people, that they will work hard, waste their time, and not be successful.

So maybe we can help them believe?

Now, there are many ways we can help them believe more, so here are just two ways to get us started.

Way #1. Tell them, “Of course you don’t know how to do network marketing yet. The company doesn’t expect you to know how to do it before you start. But you will learn an easy system when you join, so it will be just as easy as your present job.”

What are they thinking after you say this? “Hey, you are right. I am scared because I don’t know how to do it. But that is okay that I don’t know now. I will be able to learn a system.”

Way #2. We learn better skills. When we have these skills we can confidently say, “I can teach you exactly what to say, word-for-word, to build your business. All you have to do is join and I will show you how to do it.”

New people feel confident when they realize you are competent and promise to help them. That is why we want to learn the 25 basic skills of our business.

As the late Jim Rohn always said, “REMEMBER THE SAME WIND BLOWS ON ALL OF US ITS THE SET OF YOUR SAIL THAT DECIDES YOUR COURSE!!” Set your sail for success today by learning the skills for success. If you would like some personal help on this and any other aspects of network marketing then subscribe to my blog and be sure to check out some of my past posts. Also if you find value in these posts be sure and share them with your team.

http://AIMHighForSuccess.com

What do you think about most? – Post 211

Today I want to reflect on a quote from Earl Nightingale, “You become what you think about most of the time”

In 1989 a Buddhist spiritual text called “How to live without Fear and Worry” stated:

     “The thought manifests as the word,
      The word manifests as the deed,
      The deed develops into a habit,
      And the habit hardens into character.”

The words in this text actually echo what Buddha said more than 2500 years ago, “We are what we think. All that we are arises with our thoughts. With our thoughts we make the world.”

In more modern times this sentiment was expressed in relation to sowing and reaping. In 1950 in the Sunday News and Tribune of Jefferson City Missouri it was expressed as:

     “Sow a thought, reap a word; 
      Sow a word, reap a deed; 
      Sow a deed, reap a habit; 
      Sow a habit, reap a character; 
      Sow a character, reap a destiny.”

My favorite version of this idea comes from an American entrepreneur, Frank Outlaw, late president of the Bi-Lo Stores. His version goes like this;

      “Watch your thoughts, they become your words;
       Watch your words, they become actions;
       Watch your actions, they become habits; 
       Watch your habits, they become character;
       Watch your character, for it becomes your destiny.”

I’ve been in the marketing business most of my life and I have heard different versions of what Earl Nightingale said but I never really understood it until last year when I watched a movie called “The Secret.” After I watched this film I reflected on the ideas that where expressed about the law of attraction. I began to understand just how powerful our thoughts are; just how much what we think about affects our lives in every way. I began to see examples of this idea in scripture, I began to see how people like Joyce Meyers and Joel Osteen are able to tap into this concept with their motivational sermons. There are so many things today that consume our thoughts.

I know that in my own life I have found that when I changed what I thought about most; when I began to concentrate on what I wanted to achieve or have, instead of concentrating on my failures or what I lack; only then things began to change. Believe me, when you are unemployed there are lots of things you lack in your life that you can dwell on but I decided throughout the entire ordeal I would concentrate my thoughts on what I wanted to accomplish in life; to concentrate on all the things that I wanted to become and to have.

And you know what?

I felt better every day. I had purpose. I felt as though I could have or become anything and with that new mindset I saw opportunities before me that I would have never seen otherwise. I met people that would make a difference in my life, people like Dr Wallach and Brandy Brogdon, I would have never met them had I not been concentrating on future success instead of present or past failure.

Over these past couple years, because of my unemployment, I began working more on my personal development. I began reading books written by some of the most influential and successful people of our time as well as throughout history. Book after book, Video after video, Speaker after speaker, Andrew Carnegie, Dale Carnegie, Zig Ziglar, Jim Rohn, Henry Ford, Walt Disney, Vince Lombardi, they all seemed to express one common theme. The same thing that Earl Nightingale said, “You become what you think about most of the time.”

This idea has really consumed me these past couple years. “You become what you think about most of the time” begs to answer the question, what do I think about most?

Jim Rohn said, “When you know what you want, and want it bad enough, you will find a way to get it.”

What do I want?

A job? More money? Things? Time freedom?

What do I really want?

Zig Ziglar said, “The chief cause of failure and unhappiness is trading what you want most for what you want right now.” And “Outstanding people have one thing in common: an absolute sense of mission.”

So what do I really want?

According to Napoleon Hill, “The starting point of all achievement is desire. Keep this constantly in mind. Weak desires bring weak results, just as a small amount of fire makes a small amount of heat.” He also said that “Riches do not respond to wishes. They respond only to definite plans, backed by definite desires, through constant persistence.”

So what do I want? Where do I start?

Jim Rohm said “If you go to work on your goals, your goals will go to work on you. If you go to work on your plan, your plan will go to work on you. Whatever good things we build end up building us?” 

So that’s where I started. I looked at where I’ve been and where I would like to go in the future.

Albert Einstein once said “Insanity is doing the same thing over and over again and expecting different results” so I asked myself the question, if I keep on doing what I’ve been doing will I get there?

Well of course the answer was no, so for the first time in my life I mapped out both short term and long term goals and I began exploring ways to achieve them. I began thinking outside the box. I began to activate the law of attraction and to follow what Earl Nightingale said, “You become what you think about most of the time” and that is when I began to meet people like Dr Wallach, Dr Corey Gold, Tom Chenault, Dave and Barb Pitcock. That’s when I took a deeper look into the home based business industry that they were all involved in and I began to see just what the possibilities truly where. Every one of these people that I met followed the idea that Napoleon Hill stated so well, “Whatever the mind can conceive and believe, it can achieve.”

So a year ago I took a leap of faith and teamed up with all of these fine people because as I saw it, as Napoleon Hill also said “The person who takes no chances generally has to take whatever is left when others are through” and I was tired of the crumbs that where left over.  I was sick and tired of working long hours making others rich while I clung on to the hope that I would be able to keep my health. Why? So I can work for them until I died or until they decided I was no longer of use for them?

\Well it has been a year now since I began following these folks and became a part of their team and I have created a steady stream of income; a residual income; an income that continues to come in despite the fact that I have taken some time away from the business these last few weeks to do some personal development training and planning for next year. A stream of income that will continue to grow until I replace what I used to make working 70 hours a week for someone else.

To have that freedom is what consumes my thoughts most now. Freedom to spend time with my family and not worry about my income. Freedom to not be owned by a corporate job. Freedom to become all that I can become while helping others.

As Walt Disney said, “If you can dream it, you can do it” and I have now proven to myself that I truly can do it.

What do you think about most?

Do you think about the things you don’t have?

Your lack of financial means to do the things you want, to have the things you desire?

Are you consumed with thoughts about your debt?

Maybe you think about and worry about your health, how you can’t seem to lose those pounds you want to shed. Maybe its your high blood pressure or diabetes.

Or maybe you think most about your lack of time; time to spend with your spouse or children. That field trip you missed and the weekend scouting or sporting events you weren’t able to attend.

Are your thoughts consumed by your job, whether or not you will get that promotion, or constantly worried about whether or not you will keep your job or even be able to find another job?

What do you really want?

I think for most of us, certainly for me, what it came right down to is Freedom! I wanted freedom and my guess is so do you.

You want options.

You want to be of value, to make an impact.

What would that feel like?

What would it feel like to be free?

What would it feel like not to have an alarm clock?

What would it feel like to take your son or daughter to the dentist without asking your boss’s permission? To go to that school play or Christmas pageant?

What would it feel like?

There is an even bigger question though, WHO do you want to be?

What really changed for me is when I asked myself that question. I no longer wanted to be a statistic, working 70 hours per week; trading my time for money. I no longer wanted to be someone that questioned my worth. I no longer wanted to be someone that moped around and just wasn’t present. I no longer wanted to be that.

So who did I want to be?

I wanted to be someone that made an impact. Not just in the area of their health but also in the life. I wanted to be someone that touched, moved and inspired people. Who did I want to be, not just my why, because I have had the same why most of my life and I thought while I was working those 70 hour weeks, I thought I was working toward my why?

It was focusing on who I wanted to be that really drove me and gave me  the vision to keep going. Dr Michael Beckwith says “Pain pushes you until vision pulls you” so as the new year approaches I ask you, what vision is pulling you after all “You become what you think about most?”

I hope you enjoyed this blog post, if you did please click on the link on this page to subscribe. If you found this video through Youtube then please visit my blog site at AIMHighWithKeith.com and subscribe.

I would love to talk with you about what you REALLY want out of life. I would love to show you how you can make it a reality so you can become what you think about most.

Call my information line at 866-257-3105 or  visit http://AIMHighForSuccess.com

Student Loan Crisis – Post 185

I’m just curious, would it surprise you to realize that there are a lot of people that want you to spend a lifetime in financial bondage?

That’s right they want you to be a slave.

They want you paying them forever.

There are a lot of bubbles that have happened in my lifetime. The Y2K bubble; the technology bubble; the wall street bubble, the housing crisis bubble, Where things just got out of control and then they would crash.

The next big bubble that I think is gonna bust is the education bubble.

Don’t get me wrong, I think education is a good thing. I support knowledge and learning. I am constantly improving my skills through education. But I’ll tell you our university system is completely out of control and setting up kids to have a lifetime of debt.

I just found out that more than thirty eight million Americans have student loans right now totaling over a trillion dollars. At the end of June they were paying about three point four percent on those loans. On July first, they went up to six point eight percent, they doubled, six point eight percent.

So here’s what’s happened okay over the course of the last ten or so years.

Since two thousand and three, from two thousand three to two thousand and thirteen student loan debt has quadrupled.

In the last 10 years, quadruple.

The average price of a year in college in nineteen eighty was eight thousand seven hundred fifty six dollars for a four year college degree.

Today it is twenty one thousand six hundred fifty seven dollars per year.

That means to the students going to go to a four year college are going to have about a hundred thousand dollars in student loans that they’re going to have to now go pay back

and do you think it’s easy for a college graduate to go get a job in today’s market place?

Think again, it’s tough for a college graduate, a recent college graduate to go get a job, . . .

to get a job let alone to get a job that’s going to pay them decent enough income to have a living and to pay to get out of that student debt in any kind of foreseeable future.

I know people in their thirties and forties that still have student loans that they’re still dealing with.

Now the cost of education, the cost of a university education, has gone up over three times the rate of the consumer price index. In other words, when looking at the cost of living, it’s gone up over three times the cost of living. It’s gone up by almost six hundred percent since nineteen eighty while the consumer price index has gone up about a hundred and fifty percent.

Think about that, shouldn’t education kind of match everything else that’s going on in the world.

For the most part it’s a racket, it’s a system designed to keep you in debt to learn about jobs that, guess what, most of them are gonna be obsolete.

You don’t think that advances and every form of technology in every single field is not going to change the educational outlook that’s going on in the world. It certainly has in my field, in pharmacy.

Now don’t get me wrong I told you I’m a huge fan of education. I’m just not a huge fan of financial bondage for people.

The number of student borrowers has increased sixty six percent from two thousand five to two thousand twelve. The average student loan balances increased forty nine percent from two thousand and five to two thousand and twelve. Student loans now surpasses, when it comes total debt by borrowers, Student loan debt now surpass credit card or auto debt. It’s just an absolute epidemic.

Now, you want to go to college fantastic, wonderful, here’s my advice for somebody that wants to go to college

Learn a specific skill. All these generic programs, these generic college experiences, don’t really prepare you to do what you need to do. Learn a specific skill, learn it well.

Why not take charge of your own future?

Why not, while you’re going to school, take ten hours a week and apply it to a business that will pay for your school.

What if you could just make a thousand or two thousand dollars a month, part-time in a business that you’re passionate about and use all of that money to pay for your education?

What a different situation you would be in to leave your educational experience, debt-free and have a cash flow business in addition to your diploma. Wouldn’t that be better?

All the credit card companies and the banks, the government, it seems like everybody in the world wants you to stay in debt, in bondage to them.

I don’t want you to live that way.

I want you to be free; to have choices; to have options; to not spend twenty to thirty years working, to pay for a piece of paper. You will actually more than likely pay for that piece of paper two or three times over by the time they get all the interest charges and fees that have been stacked up against you. Then you can use your education to do whatever you want to do in the world, but you’re not gonna be a slave.

Would it be ok if I showed you a better way? A way that will create a future, what I love almost about what I’m seeing right now in this business, it’s the young people in this business, they are rising up and they’re saying to heck with the old model; to heck with this economy, to heck with people being in charge of my life. I’m going to use this business to own my future, to be debt free, to be totally in charge.

Would it be ok if I tell you about a friend of mine? He was in his first year of graduate school when he and his wife discovered she was pregnant with triplets. He didn’t know what he was going to do. He was going to need three of everything. He wouldn’t be able to provide for all of those expenses and continue to go to school. He really didn’t know what he would do. Then his father introduced him to a business that he could do part time. Around his school schedule. Something that was flexible and that he controlled. He saw the value and the possibilities and he jumped right in. By the time he graduated from school he not only had all of his student loan debt paid off he actually had a residual income built up that allowed him to make choices about his future. Because his business was doing so well he never even pursued a career with the degree he earned.

Would it be ok if I shared some more information with you? Some information that will show you how to be free; to have choices; to have options; to not spend twenty to thirty years working, to pay for a piece of paper. How to use your education to do whatever you want to do in life, without being a slave to your student loan debt.

Visit my website http://NoMoreSchoolDebt.com
Or call 502-212-2929

The Biggest Scam in the U.S. – Post 034

The Biggest Scam in the U.S. 
 
I love this!
I was just on my Facebook wall and read something from my friend Tony had posted.  
This is SOOOOO TRUE!  And you are going to LOVE this, especially when ignorant idiots try to make fun of you for being an entrepreneur.  
He wrote: 
“The biggest scam in the U.S. is not a home business. The biggest scam is a college degree and the belief that getting a degree will necessarily get you a good-paying job. Today, U.S. student loans now exceed U.S. credit card debt. Over $800 Billion dollars owed.”
Now…don’t get my wrong.  I’m not saying college isn’t cool.  I loved college.  Hope my two boys go.  But…think about that.  People talk about home businesses being scams, but the REAL scam is teaching people how to go build equity in somebody else’s company, rather than do their own thing. 
http://NoMoreSchoolDebt.com

College teaches us to do what?  College teaches you how to go get a JOB.  College teaches you how to go earn a WAGE and work for someone else.  

Yes…other than our Social Security system, which I will NOT get into today, one of the biggest scams being perpetuated onto the public is the idea that if you go to college, invest tens of thousands of dollars, you can actually get a good paying job and live your dream.  
Kinda thought that was interesting.  Don’t you think?  Think I’ll stick to being an entrepreneur…how bout you?