Never lend money to friends, family, or significant others. If someone asks, just say you’re broke blame a credit card bill or another excuse.
On Relationships and Risks
If you’re debating whether to "wrap it," think carefully. Even if she claims to be on the pill, mistakes happen—and 18 years of child support is no joke. That money won’t just go to the kid; it’ll fund her nails, hair, vacations, and car payments while you’re left with no say.
On College
>Get In, Get Out: Pick a practical, high-paying major early and stick with it. No indecision research careers, choose one you can tolerate (or like), and graduate in 3–4 years max. Dragging it out wastes time and money.
>Speed Matters: Graduating at 21–23 with a master’s puts you years ahead in salary, seniority, and benefits (401k, health insurance, etc.). The longer you take, the more debt you’ll rack up and the higher the chances of bad decisions (like accidental pregnancies or failing classes).
>Live at Home: Stay with your parents during college if possible. Avoid working; focus on studying, lifting, and having fun. You’ll graduate with far less debt.If You Skip College
No degree? Get a job and work hard. Plenty of non-grads (e.g., construction workers) outearn art history majors working at Starbucks. But stats show grads usually earn more over time—so if you go, do it smartly.
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