Realized I’m over saving.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Considering college is not 100K a year at 16 colleges and it has been doubling every ten years, the average new born kid could be spending up to 1.6 million for tuition each kid.

College is clearly on the decline - might not be done in 20 years but it’s struggling and we’re going to see more and more disruptive HS > workplace pipelines. Especially as AI takes over a lot of the “high effort, low skill” professional class work.

Tech firms like Palantir are already experimenting with apprenticeships for talented HS graduates that skip college entirely and land them in $200K+ jobs after completion.

Also trade school apps are at an all time high.

Yeah, Palantir is giving a few bright kids big bucks to create a slave model for the US. This shouldn’t be welcome. Getting them pre-college means they have little education, which means they become doers, not thinkers.

The truly wealthy won’t give up college. It’s staggering how wealthy my kids’ college friends are. They will be the thinking class, while everyone else is the scrolling class.

Look at Epstein’s deep ties to Harvard and top scientists. You don’t want these privileged, groomed kids working for Palantir.

Wake up!

A bit jealous, eh? Feeling like you followed the rules and ticked the boxes and suddenly the world is leaving you behind? There's something about this when it comes to college degrees. People discovering having advanced degrees or even a degree from HYP isn't the golden ticket they once thought it was? The vanities are being exposed and some people are struggling with it.

Colleges have a useful function. They are also overrated. The concept of a college turning you into a "thinker" as opposed to a "doer" is fiction, most college grads aren't "thinkers versus doers." A lot of crap and silly thinking comes out of college campuses, the Ivory Tower is perhaps the most clueless place in society. And doers, if by that you mean the kids going straight from HS to work at Palantir or other tech firms, can change the world overnight.

College degrees as an useful identifier isn't going away but the relationship to colleges is changing. No one cares if you majored in English at Columbia if all you did was to write papers on transqueer gender politics in Shakespeare. They just see you graduated from college, tick the box, now let's see what you're really capable of. Your internships? What did you do? Can you add value to the business? No? Next, please. Iowa grad with an econ degree and internship at PWC? Know how to use Claude to analyze a hundred datasheets? Hired.

This! College is a tool. What you do with it while there and beyond is up to you.

But fact remains, most careers require a college degree outside the trades, and not having one makes becoming a higher earner difficult (and most people don't want to be in body breaking trades in their 50s+ so it's useful to have another path)

College is a scam. It’s for morons.
Bill Gates and Steve Jobs never graduated from college.

Bill Gates and Steve Jobs were both born on third base in wealthy families who funded their pursuits. It that's your situation, sure, skip college. If not, that's a pretty risky move.

[Anonymous]

Anonymous wrote:^sorry I meant to write 50k. I think I’m good. I’m not gonna have them do horseback riding or stuff like travel sports. More simple hobbies like hiking and hunting in public land

Haha. They may have some different ideas. Sounds like they're still babies or toddlers based on your assuming you think they'll be interested in. Write again in 5-10 years when you have a pre-teen who's passionate about and talented in piano/violin/baseball/hockey/horses/gymnastics/swim (fill in the blank) and tell me you're not going to spend $$$ making that happen for them.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Considering college is not 100K a year at 16 colleges and it has been doubling every ten years, the average new born kid could be spending up to 1.6 million for tuition each kid.

College is clearly on the decline - might not be done in 20 years but it’s struggling and we’re going to see more and more disruptive HS > workplace pipelines. Especially as AI takes over a lot of the “high effort, low skill” professional class work.

Tech firms like Palantir are already experimenting with apprenticeships for talented HS graduates that skip college entirely and land them in $200K+ jobs after completion.

Also trade school apps are at an all time high.

Yeah, Palantir is giving a few bright kids big bucks to create a slave model for the US. This shouldn’t be welcome. Getting them pre-college means they have little education, which means they become doers, not thinkers.

The truly wealthy won’t give up college. It’s staggering how wealthy my kids’ college friends are. They will be the thinking class, while everyone else is the scrolling class.

Look at Epstein’s deep ties to Harvard and top scientists. You don’t want these privileged, groomed kids working for Palantir.

Wake up!

A bit jealous, eh? Feeling like you followed the rules and ticked the boxes and suddenly the world is leaving you behind? There's something about this when it comes to college degrees. People discovering having advanced degrees or even a degree from HYP isn't the golden ticket they once thought it was? The vanities are being exposed and some people are struggling with it.

Colleges have a useful function. They are also overrated. The concept of a college turning you into a "thinker" as opposed to a "doer" is fiction, most college grads aren't "thinkers versus doers." A lot of crap and silly thinking comes out of college campuses, the Ivory Tower is perhaps the most clueless place in society. And doers, if by that you mean the kids going straight from HS to work at Palantir or other tech firms, can change the world overnight.

College degrees as an useful identifier isn't going away but the relationship to colleges is changing. No one cares if you majored in English at Columbia if all you did was to write papers on transqueer gender politics in Shakespeare. They just see you graduated from college, tick the box, now let's see what you're really capable of. Your internships? What did you do? Can you add value to the business? No? Next, please. Iowa grad with an econ degree and internship at PWC? Know how to use Claude to analyze a hundred datasheets? Hired.

This! College is a tool. What you do with it while there and beyond is up to you.

But fact remains, most careers require a college degree outside the trades, and not having one makes becoming a higher earner difficult (and most people don't want to be in body breaking trades in their 50s+ so it's useful to have another path)

College is a scam. It’s for morons.
Bill Gates and Steve Jobs never graduated from college.

Bill Gates and Steve Jobs were both born on third base in wealthy families who funded their pursuits. It that's your situation, sure, skip college. If not, that's a pretty risky move.

I don't know what you're on about, but Steve Jobs's parents were working class and not wealthy at all. His biological parents were very well off but he never knew them or had any of their money.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Considering college is not 100K a year at 16 colleges and it has been doubling every ten years, the average new born kid could be spending up to 1.6 million for tuition each kid.

College is clearly on the decline - might not be done in 20 years but it’s struggling and we’re going to see more and more disruptive HS > workplace pipelines. Especially as AI takes over a lot of the “high effort, low skill” professional class work.

Tech firms like Palantir are already experimenting with apprenticeships for talented HS graduates that skip college entirely and land them in $200K+ jobs after completion.

Also trade school apps are at an all time high.

Yeah, Palantir is giving a few bright kids big bucks to create a slave model for the US. This shouldn’t be welcome. Getting them pre-college means they have little education, which means they become doers, not thinkers.

The truly wealthy won’t give up college. It’s staggering how wealthy my kids’ college friends are. They will be the thinking class, while everyone else is the scrolling class.

Look at Epstein’s deep ties to Harvard and top scientists. You don’t want these privileged, groomed kids working for Palantir.

Wake up!

A bit jealous, eh? Feeling like you followed the rules and ticked the boxes and suddenly the world is leaving you behind? There's something about this when it comes to college degrees. People discovering having advanced degrees or even a degree from HYP isn't the golden ticket they once thought it was? The vanities are being exposed and some people are struggling with it.

Colleges have a useful function. They are also overrated. The concept of a college turning you into a "thinker" as opposed to a "doer" is fiction, most college grads aren't "thinkers versus doers." A lot of crap and silly thinking comes out of college campuses, the Ivory Tower is perhaps the most clueless place in society. And doers, if by that you mean the kids going straight from HS to work at Palantir or other tech firms, can change the world overnight.

College degrees as an useful identifier isn't going away but the relationship to colleges is changing. No one cares if you majored in English at Columbia if all you did was to write papers on transqueer gender politics in Shakespeare. They just see you graduated from college, tick the box, now let's see what you're really capable of. Your internships? What did you do? Can you add value to the business? No? Next, please. Iowa grad with an econ degree and internship at PWC? Know how to use Claude to analyze a hundred datasheets? Hired.

This! College is a tool. What you do with it while there and beyond is up to you.

But fact remains, most careers require a college degree outside the trades, and not having one makes becoming a higher earner difficult (and most people don't want to be in body breaking trades in their 50s+ so it's useful to have another path)

College is a scam. It’s for morons.
Bill Gates and Steve Jobs never graduated from college.

Bill Gates and Steve Jobs were both born on third base in wealthy families who funded their pursuits. It that's your situation, sure, skip college. If not, that's a pretty risky move.

Not true about Steve Jobs.

[Anonymous]

Anonymous wrote:

Anonymous wrote:research costs on care for the elderly. that should get you over your fake problem.

Help us, what do you think even the 95th percentile of elderly care costs? Are you the one with plans to spend 25 years in memory care?

Good luck living in your own filth as you age.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:research costs on care for the elderly. that should get you over your fake problem.

Help us, what do you think even the 95th percentile of elderly care costs? Are you the one with plans to spend 25 years in memory care?

Good luck living in your own filth as you age.

No numbers, huh... just complete fantasy on your part.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Considering college is not 100K a year at 16 colleges and it has been doubling every ten years, the average new born kid could be spending up to 1.6 million for tuition each kid.

College is clearly on the decline - might not be done in 20 years but it’s struggling and we’re going to see more and more disruptive HS > workplace pipelines. Especially as AI takes over a lot of the “high effort, low skill” professional class work.

Tech firms like Palantir are already experimenting with apprenticeships for talented HS graduates that skip college entirely and land them in $200K+ jobs after completion.

Also trade school apps are at an all time high.

Yeah, Palantir is giving a few bright kids big bucks to create a slave model for the US. This shouldn’t be welcome. Getting them pre-college means they have little education, which means they become doers, not thinkers.

The truly wealthy won’t give up college. It’s staggering how wealthy my kids’ college friends are. They will be the thinking class, while everyone else is the scrolling class.

Look at Epstein’s deep ties to Harvard and top scientists. You don’t want these privileged, groomed kids working for Palantir.

Wake up!

A bit jealous, eh? Feeling like you followed the rules and ticked the boxes and suddenly the world is leaving you behind? There's something about this when it comes to college degrees. People discovering having advanced degrees or even a degree from HYP isn't the golden ticket they once thought it was? The vanities are being exposed and some people are struggling with it.

Colleges have a useful function. They are also overrated. The concept of a college turning you into a "thinker" as opposed to a "doer" is fiction, most college grads aren't "thinkers versus doers." A lot of crap and silly thinking comes out of college campuses, the Ivory Tower is perhaps the most clueless place in society. And doers, if by that you mean the kids going straight from HS to work at Palantir or other tech firms, can change the world overnight.

College degrees as an useful identifier isn't going away but the relationship to colleges is changing. No one cares if you majored in English at Columbia if all you did was to write papers on transqueer gender politics in Shakespeare. They just see you graduated from college, tick the box, now let's see what you're really capable of. Your internships? What did you do? Can you add value to the business? No? Next, please. Iowa grad with an econ degree and internship at PWC? Know how to use Claude to analyze a hundred datasheets? Hired.

This! College is a tool. What you do with it while there and beyond is up to you.

But fact remains, most careers require a college degree outside the trades, and not having one makes becoming a higher earner difficult (and most people don't want to be in body breaking trades in their 50s+ so it's useful to have another path)

College is a scam. It’s for morons.
Bill Gates and Steve Jobs never graduated from college.

Bill Gates and Steve Jobs were both born on third base in wealthy families who funded their pursuits. It that's your situation, sure, skip college. If not, that's a pretty risky move.

They were also wickedly smart. Combine both and they had a chance (but even then it's not a guarantee)

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:research costs on care for the elderly. that should get you over your fake problem.

Help us, what do you think even the 95th percentile of elderly care costs? Are you the one with plans to spend 25 years in memory care?

Good luck living in your own filth as you age.

No numbers, huh... just complete fantasy on your part.

Why would I tell you numbers? You are not actually interested in the topic - just want to fight. In any event, it’s clear that you have not been involved in elder care at all.

[Anonymous]

OP, if you haven’t already, check out Boldin. I used it today for the first time after a rec on this sub. Also similar age and NW.

[Anonymous]

Anonymous wrote:

Anonymous wrote:^sorry I meant to write 50k. I think I’m good. I’m not gonna have them do horseback riding or stuff like travel sports. More simple hobbies like hiking and hunting in public land

Haha. They may have some different ideas. Sounds like they're still babies or toddlers based on your assuming you think they'll be interested in. Write again in 5-10 years when you have a pre-teen who's passionate about and talented in piano/violin/baseball/hockey/horses/gymnastics/swim (fill in the blank) and tell me you're not going to spend $$$ making that happen for them.

No because I’m not a striver Virginian trying to get my offspring into TJ. They can do that stuff for fun. I learned to play guitar from guitar tabs online for free, no teacher. Just takes free will and will power.

[Anonymous]

Anonymous wrote:OP, if you haven’t already, check out Boldin. I used it today for the first time after a rec on this sub. Also similar age and NW.

OP is back. Yes I love boldin.

I love all the replies asking if my numbers are inflation adjusted. Yes i do all my calculations in 2026 dollars. Of course you can’t predict which expenses will rise more than others but it’s an average.

Also love all the buyers remorse parents that tell me I will spend the money they spend on Larlo’s travel soccer. I’m better than yall.