Otherwise, explore all of the ways that you can take classes or gain skills online, some for very little or no cost to you other than your time. If you find yourself doing this at the start of your career, the financial cost might be a bit much to bear at first. But no matter how much I learn about investments, it seems pretty clear to me that the one that consistently pays off in any market condition is the one we make in ourselves.
Also, things cost more. Stuff like housing, transportation, or food will take more out of your paycheck every month than they used to. The mere cost of Thanksgiving Dinner has risen thanks to the increase in the cost of turkey and pumpkin pie mix. College costs more (and so do student loans), so many are starting out in the workforce already in debt.
If you have an inclination to chemistry, biology, can present your science well and work well across line functions, the biotech / pharma industry is a great place to build a career. And it’s not cyclical. Huge unmet need in so many diseases and the constant demand for more efficacious medicines will always require innovative young scientists to come to the fore.
Good luck to us all that have worked hard for what we have in ways that someone more privileged, doesn’t understand. physical hard labor to get where you need to be, not want, but need. And to then still struggle. With hospital bills from the labor you work so hard just to hardly make it by, actually to not quite hardly make it by, because of those those dr bills we have to pay for our children and ourselves from physically working so hard to just survive.
But I have a question… Do you really think that those who don’t attend the top schools won’t be as successful? (Coming from someone who doesn’t go to Colombia or UCD) What are your thoughts? Should they transfer from a cal state to a UC? Or should they complete their bachelors in a cal state and then proceed to get their MBA in a higher ranked university?

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Second, I gave hired a lot of summer interns over the years as well as people just coming out of their bachelors. Degrees from top schools do matter. Sorry, but they do. Not necessarily Ivy league, but we all know the to- programs in our fields and the best internships go to people in those programs. A lot of internships are gained through connections and connections come from professors and people known in their field so where you are in school matters. That said, going your first couple years ar a community college is a great strategy to save money and figure out what degree you want to oursue. Transfering to a right program is easier and smarter than getting in as a freshman.
Every Tuesday, we send out an email called Favorite Finds where we recommend ONE, SINGLE affiliate product or service that we’re currently loving. It could be a new offer that one of our affiliates is promoting, or a tried and tested affiliate that we love and recommend on a regular basis, or a new affiliate so we can gauge our audience’s interest.

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When one of our readers at The Write Life buys Chris Guillebeau’s $58 Unconventional Guide to Freelance Writing through our link, for example, we earn $29. When James Chartrand’s Damn Fine Words course sells for $1,599 through our site, we earn $200. Lots of creators offer affiliate programs for their products; the key is finding products that appeal to your audience, so you readers want to purchase them.
That was more words the I intended to tap out on my phone screen…probably because I’m hurtling through the dark in a bullet train somewhere between Tokyo and Aomori toward the tail end of 3 countries in three days on two sides of the Pacific Ocean (for fun, not work) and my time-warped brain dropped into story time. My wife just told me to eat my bento box meal. I’m getting old. :-)
I’m going into a Top 10 school (Duke), but am unsure of what to major in other than something math/science/engineering related–I’m fortunate enough to enjoy all technical fields. I initially considered Biomedical Engineering, since it’s Duke’s strong suit, but it seems like quite the gamble; electrical/computer engineering or computer science seems a far safer route.
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Every time I got stock from my company I tried to sell as much as I could every year and diversify into other asset classes like real estate. The banking industry stunk, and I didn’t want my career, salary, and stock to all be tied to the stock market. But stock grants as part of my bonus kept coming faster than I could sell. My old company stock is down 50% this year alone!


Although it’s an attractive way to make six figures, it’s extremely difficult. It’s obviously possible, and saying that, doesn’t compromise your article’s point. However, I think you should have stressed the blood, sweat, and tears that people put forth to go through those programs and not advertise it as a, “Hey, almost anyone can get into one of these top fifteen schools and make $240,000/yr. after two years of employment” in such a nonchalant manner (oh, and the 70-80 hour weeks).
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Just a quick note on the consulting firms you listed. Although the Big 3 are obvious to include in the list, I would certainly remove Booz Allen Hamilton, and even Arthur D. Little. Booz Allen is notorious for under-paying, especially when compared to much better firms. Booz Allen is also primarily a Federal contractor with very limited commercial work (granted their non-compete with Booz & Co. [now Strategy&] is over) – commercial strategy/ management consulting out-pays Federal counterparts.
Thanks John and Sam – I’ll shoot this one over to my 22 yr old daughter who is about to graduate with an applied math degree. She plans to work for technology companies, probably starting with data analysis and visualization, which will pay over $100k within a few yrs depending on how much she wants to work. There isn’t any reason she can’t earn over $100k by 25, esp with me to help her get in (I’m in the biz…for maybe a few more years). I’m quite curious to see what kind of lifestyle she chooses. She’s smart and a good communicator, but she definitely isn’t the one yelling, “how high?” when some life-hating micromanager screams “JUMP!” :-)
I would look into Wealthfront and automatically contribute a set amount every month from your paycheck after tax. The first 15K under management is free and it’s just 0.25% after that. Sign up and play around with the risk tolerance meter to see what different type of portfolios they come up with. They do tax loss harvesting and automatically rebalance for you based on your risk tolerance. You don’t have to fund the account to see the different portfolios.
I love everything about this article. Too many folks want to pile on higher income earners as if they did something wrong to get there. The majority that I have met are wonderful people who treat their income and wealth with respect. They find ways to be very charitable with what they have. Now this isn’t everyone mind you, but I suspect a larger percentage than society gives credit to.
Hey guys. Great post with detailed, actionable content. I would like to add my ‘2 cents’ if that’s ok. You are absolutely right with offering a ‘free gift’ in exchange for someone’s name and email address but I have found short reports have worked best for me. If you give away too much information for free they don’t tend to get consumed so the trust isn’t built with your subscriber. Your free gift is the first point of contact with your prospect so it’s unlikely they will read an entire ebook but if you give them a short report which they are able to consume in about 20 mins and they get tremendous value from they are more likely to listen to you in the future and buy your recommendations. A big mistake i see a lot of affiliates make is the content they use for their free giveaway. They think just because it’s given away for free that they can just throw together some PLR material and use that. Unfortunately that doesn’t cut it these days and will damage your relationship with your prospect rather than strengthen it. The best way is to carry out some research in your marketplace and see what pains and frustrations your prospects have and create your free giveaway around that.

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