Smart Money Moves for College Students and Parents Trying to Get Rich Before Graduation

What College Student or Young Adult or Poor People Need to Know About Making Money to Become Rich at Graduation | An Eye Opening Message. 

Discover the transformative steps to financial independence in our latest information, “Any Poor Person Who Does This Will Become a MILLIONAIRE before Graduation.”

Unveil the secrets of transitioning from financial struggles to millionaire status through practical and proven strategies. We dive into the importance of a growth-oriented mindset, crucial financial education, smart budgeting, wise investing, and creating additional income streams.

Learn from the inspiring journeys of icons like Howard Schultz and Oprah Winfrey, and understand how a positive mindset and financial literacy are instrumental in building wealth. Ready to reshape your financial future?

For the class of 2024, nearly 70% of college students took out loans, with students graduating with an average debt load of $29,900+ – which includes both federal and private student loan debt.

Actions for College Students to Get Rich Before Graduation

What can You do as a College Student to Start Building Wealth?

Remember that learning is earning, while you may not actually earn money but how you learn at a college will determine how much you will be paid later in your life. How well you learn will determine if you will earn $5 per hour or $50 per hour.

Start a business while in college, not to be a millionaire but to realise the importance of money. Once you are out there asking strangers for money in exchange for your product/service, you will understand how hard it is to make money and hence realise its importance.

Take up a part-time job, if you cant run a business you can always work at a part time job. There is nothing to be ashamed of working at McDonalds or any other menial job. This will teach you how to let go of your ego and also make you understand the value of money.

Learn a marketable skill, learn how to design simple websites and sell it to customers. If you are not into programming or tech, just learn any marketing skill from your domain. For example, if you are a marketing student, put your knowledge to good use and generate leads for local businesses and charge for it.

Do not get into relationship while in college, it consumes a lot of your time and energy which is better spent on working towards your career. Relationships can wait. This is solely my opinion.

Don’t fall into MLM schemes, colleges are a breeding ground for MLM schemes and you should be aware about it. Never fall for a MLM scheme they are not designed for your benefit.

Save pocket money & invest it, no you don’t need a trading account to invest that money, instead invest in buying books, read them and you will get the best return on your investment.

Build relations with friends who have bigger goals. College might not be a good place to find love but you can definitely find good set of friends who are ambitious. If you nurture your relationship with them they can be your business partners in the future.

Final point: Remember that you wont get rich or become a millionaire while in college, it is highly unlikely to happen. However, what you do in college will surely lay out the foundation for your future financial life.

COLLEGE FINANCIAL SURVIVAL PLAN

If that is not enough to give a college student a moment to pause, perhaps this statistic will – Nearly 45 million borrowers owe about $1.7 trillion in student loans, which amounts is $730 billion more than the total credit card debt in the United States.

Create a Budget –

When learning how to save money as a student, the first order of business should be to create a budget – one that is realistic and manageable.

You wouldn’t manage a full course load without some sort of calendar/schedule as a student. The same is true for a budget, which is simply a financial plan that is reduced to writing.

Adjust the Budget as Needed –

As a college student, you are likely to face many financial firsts. As such, it is critical to learn how to manage money in your 20s, as this is an excellent habit that will benefit you for a lifetime.

After you have had a chance to work with your budget (give it six months, at least), take some time to determine if the first budget you have created is realistic and practical.

Be Mindful of Spending Habits –

One of the most straightforward financial tips for college students is simply to be aware of how you spend money by tracking it using a personal financial management application or Excel.

Search for Available Financial Help –

There are many scholarships (and other types of financial help for students available) for which students only have to submit an online application if they qualify.

Begin to Establish a Credit History –

It is important to begin to establish a credit history, which can be done by applying for a credit card.

Boost Your Credit Score –

There are several ways to improve your credit score that requires little effort and expense. Maintaining a solid and robust credit score is some of the best financial help for college students as they move towards an independent financial future. 

Take Identity Protection Seriously –

The Federal Trade Commission has seen student loan-related identity theft soar in recent years. Use a free credit monitoring service, keep a check on your passwords, and check your bank account regularly. 

Saving Money: Treat Student Loans as a Last Resort, Not a Given –

There’s a reason one of the first things your college sends you is information about student loans – it’s how they make their money. Max out scholarships, grants, and other options before you even consider student loans. And if you can’t afford college without a loan, reconsider your college options. Transferring credits from community college is one of the best ways to save. 

Start an IRA –

Yeah, retirement seems like it’s a long way off, but trust your elders – it’s not. If you have any earned income, even from a part-time job, you can open an IRA account and start putting money away. The benefit of an IRA is simple – since it’s taxed up-front, you can always remove money when you need it, or you can keep it in to grow with the stock market. Even an investment of a thousand dollars a year will grow enormously by the time you retire. 

Open a Savings Account –

If a Roth seems like a big investment, please, seriously, at least open up a savings account or a Money Market at your bank. It will provide a marginal amount of interest, but it will also help keep you mindful of saving. 

Avoid ATM Fees & Other Bank Junk Fees –

One of the easiest ways to learn how to save money as a student is by avoiding bank junk fees – like ATM charges unnecessarily.

Steering clear of avoidable ATM fees offers some of the simplest financial tips for young adults.

If you must take out cash at an ATM that charges a fee, be sure to take out a large enough amount, so you do not have to use the ATM often. In the years ahead, you will come to see the value of this financial advice college students.

Open an Amazon Prime Student Account –

One of the best tips for college students to save money is to take advantage of the companies that offer student discounts, like Amazon’s Prime Student Account. Amazon also provides students with a number to earn money which may offer additional financial help for students in college.

Don’t Buy Coffee Out –

Save yourself money on food wherever you can, from abusing the student cafeteria to taking up every student discount.

Use the Campus Gym & Other Athletic Facilities –

College campuses typically offer students discounted or free access to the school’s gym, athletic and aquatic facilities. Taking advantage of all the college has to offer to its enrolled students is one of the simplest saving money tips for young adults attending college to implement, as it allows students the option of avoiding the monthly expense of a gym membership. Some college campuses even offer discounts to student’s families as well.

Buy Used College Textbooks & Sell Your Used Books When No Longer Needed –

Students interested in understanding how to save money will find that a surefire approach is to buy used textbooks online or at the college bookstore.

This is among the easiest of the money saving tips for young adults and college-level students to achieve. Very often, used textbooks are in as good condition as new textbooks, only at significantly lower prices, offering greater savings.

Become a Notary Public –

One of the lesser-known ways to learn how to make money in college is to become a Notary Public.

Each state sets forth its own qualifications to become a Notary Public, which generally includes being at least 18 years old, having no record of criminal behavior, and being a legal resident of the state in which you practice.

Some states require training and most require an exam but becoming a Notary. This is one of the greatest financial tips for students, especially for those who wish to give back to their community.

Get Paid for Giving Your Opinion by Taking Surveys Online –

If you are searching for how to make money when in college without a job, you can get paid for giving your opinion in many places on the Internet.

It is easy to understand how to make money as a college student online by completing surveys, with many offering rewards in the form of cash, gift cards, or points from companies like Target, Walmart, and Office Depot, among others.

Drive for Uber/Lyft or Other Ride-Shares –

Students looking how to make money in college – who also own a car can consider driving for ride-share companies or Uber/Lyft.

Working part-time while studying often provides the financial help college students need when funds become short, as students can choose the work those times that fit their schedules.

Holding a job while maintaining a full course load simultaneously is a great way to learn how to manage finances as a student and prepare for your financial future.

Capitalize On Your Special Skills Part-Time –

This mean is recognizing what you can do that others can’t, and making it work for you. You might consider:

* Computer Repair

* Oil Change

* Car Detailing

* Alterations/Sewing

* Translating

* Baking

* Hairstyling

* Editing/Tutoring (just don’t writing their papers for them)

* Pet Sitting/Dog Walking

* Painting

* Mover

Consider Being a Resident Advisor in a College Dormitory–

The cost of room and board can be avoided/reduced if you are accepted as a resident advisor in a college dormitory which makes this financial tip among the most significant of the money saving tips for young adults available. Don’t be middle class for long time. First plan to become rich in 5 years

Planning for College Students to Get Rich Before Graduation

* Learn how to double your income.

* Invest in your skills that will double or triple your income

* Have a budget for expenses and investments or saving

* Try leasing the home instead of rent

* Don’t spend of liabilities like phones, clothes, phones, Footwear, TV etc..

First save before you spend, at least save 10% of your income monthly read the book The Richest Man in Babylon.

* Invest in passive income. Refer to Rich Dad Poor Dad Book.

* Build Passive income by blogging, YouTuber etc..

* Create a secondary active income. Start to build it with no capital or a minimal cap. Buy assets

* Buy a property to rent. You stay in lease.

* Join sales If you really want to become Rich soon. It helped us lot

* Triple your knowledge to double your income

* Take proven actions to succeed

* Just don’t buy a car to your use. Instead rent it

* Always concentrate on divendends

* Become rich and marry middle class mate or partner. You can fulfill his or her rich dreams.

* Build multiple income sources

* Love yourself

* Bargain everything and get for cheap

* Love is expensive. Be rich before you fall for the liability

* Be healthy it’s saves lots money on healthcare

* Be busy

* Have a Mentor and MKS Master Key Self Made Millionaire Coach

* Don’t showoff anyone

* Pretend poor until you have great Wealth

* Learn the 50-30-20 Rule and the Concept of Compound Interest

Ready to Get Rich Before Graduation? Contact us.

We’re offering you the chance to generate $1 MILLION for yourself and your family by joining us in MKS Master Key Self-Made Millionaire Coaching.

Live Long and Prosperously,

Reitenbach-Kissinger Institute

The Self Made Millionaire Factory

Sydney Reitenbach and Michael Kissinger Universal Law-Business Results Experts-Offering Proven Business Profit Optimization Results, Cash Flow Maximization, Funding, Marketing, Sales, Management, Leadership Coaching. Helped 10K+ Owners Earn/Save $1 Billion+

Text: 650-515-7545

Email: mjkkissinger@yahoo.com

PS. A million dollars is a lot of money, so you may be able to use it to tackle the above — get out of college debt, set up an emergency fund, invest a lot of it for your future, and then… perhaps make a down payment on a new home, buy a new car, and take a big trip!

The Andrew Carnegie Success Formula
by Napoleon Hill

The method by which DESIRE for riches can be transmuted into its financial equivalent, consists of six definite, practical steps, viz:

If you truly DESIRE money so keenly that your desire is an obsession, you will have no difficulty in convincing yourself that you will acquire it.

1. First. Fix in your mind the exact amount of money you desire. It is not sufficient merely to say “I want plenty of money.”Be definite as to the amount. (There is a psychological reason for definiteness which will be described in a subsequent chapter).
2. Second. Determine exactly what you intend to give in return for the money you desire. (There is no such reality as “something for nothing.)
3. Third. Establish a definite date when you intend to possess the money you desire.
4. Fourth. Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not, to put this plan into action.
5. Fifth. Write out a clear, concise statement of the amount of money you intend to acquire, name the time limit for its acquisition, state what you intend to give in return for the money, and describe clearly the plan through which you intend to accumulate it.
6. Sixth. Read your written statement aloud, twice daily, once just before retiring at night, and once after arising in the morning.

AS YOU READ-SEE AND FEEL THE MONEY BELIEVE YOURSELF ALREADY IN POSSESSION OF THE MONEY.

It is important that you follow the instructions described in these six steps and the programs below.

It is especially important that you observe, and follow the instructions in the sixth paragraph. You may complain that it is impossible for you to “see yourself in possession of money” before you actually have it.

Here is where a BURNING DESIRE will come to your aid. If you truly DESIRE money so keenly that your desire is an obsession, you will have no difficulty in convincing yourself that you will acquire it.

The object is to want money, and to become so determined to have it that you CONVINCE yourself you will have it.

To the uninitiated, who has not been schooled in the working principles of the human mind, these instructions may appear impractical. It may be helpful, to all who fail to recognize the soundness of the six steps, to know that the information they convey, was received from Andrew Carnegie, who began as an ordinary laborer in the steel mills, but managed, despite his humble beginning, to make these principles yield him a fortune of considerably more than one hundred million dollars. Napoleon Hill

10 Rules Of Financial Success Andrew Carnegie Used To Become Incredibly Rich

Andrew Carnegie arrived in the U.S. in 1848 with barely a dollar to his name. By 1901, he was the richest man in the world. Carnegie gave him his “10 Rules of Success”.

1. Define your purpose.

Create a plan of action and start working toward it immediately.

2. Create a “master-mind alliance.”

Contact and work with people “who have what you haven’t.”

3. Go the extra mile.

“Doing more than you have to do is the only thing that justifies raises or promotions, and puts people under an obligation to you.”

4. Practice “applied faith.”

Believe in yourself and your purpose so fully that you act with complete confidence.

5. Have personal initiative.

Do what you have to without being told.

6. Indulge your imagination.

Dare to think beyond what’s already been done.

7. Exert enthusiasm.

A positive attitude sets you up for success and wins the respect of others.

8. Think accurately.

Accurate thinking is “the ability to separate facts from fiction and to use those pertinent to your own concerns or problems.”

9. Concentrate your effort.

Don’t become distracted from the most important task you are currently facing.

10. Profit from adversity.

Remember that “there is an equivalent benefit for every setback.”

Review for College Success

1. 10 Degrees You Should Study If You Want To Be Rich: https://www.youtube.com/watch?v=RL3Nfu8Qpj0
2. 7 things to do before you graduate college: https://www.youtube.com/watch?v=aNTA9FlJVco
3. The Three Things College Graduates Need to Know Before Starting a Job! Stay focused and motivated:
4. The Most Successful People Explain Why a College Degree is USELESS
5. Unemployed After College? My Experience & Advice No One Wants to Tell You: https://www.youtube.com/watch?v=WMdznNQ8bQk
6. Former College President Explains the Funding Strategies Behind Universities: https://www.youtube.com/watch?v=SRAfRu4ez_s

Review for Money Success

1. A Poor Person Who Does This Gets Rich Quick – Secret Revealed: https://www.youtube.com/watch?v=Cuvz9yJbGHk&t=24s
2. Any Poor Person Who Does This Will Become RICH Almost Immediately: https://www.youtube.com/watch?v=z3RKnFACprE
3. Any POOR person who does this becomes RICH in 6 Months | Warren Buffett
4. Any POOR person who does this becomes RICH in 6 Months
5. Any POOR Young Adult Who Does this Becomes RICH Regardless Of Your Current Situation: https://www.youtube.com/watch?v=nex1wDycjj8&t=68s

Review for Understanding Your Personal Finance and Investments

Are You Enjoying the Financial Life You Were Meant to Live? Ready to Discover How to Access Your Hidden Financial Power Within to Transform Your Wealth and Net Worth Results? Listen to This.

Personal Finance for Beginners (Literacy & Education) Managing Your Money Audiobook – Full Length

Money Management for Beginners Education (Manage Your Finance and Wealth) Audiobook – Full Length

Passive Income Ideas for Beginners & Dummies (Business & Entrepreneurs) Audiobook – Full Length

Financial Literacy for Beginners & Dummies – Personal Finance Education Money Audiobook Full Length

Financial Literacy 101 | Life Changing Financial Education Revealed – Audiobook

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How to Invest Your First $1000 | Stock Market Trading | Audiobook for Beginners

Money Affirmations – Attract Wealth and Riches (Everyday Motivation!) |

Starting a Business for Beginners & Dummies (Entrepreneur & Wealth Motivation) Audiobook Full Length

How to Succeed | Motivation & Self Improvement | Full Length Inspirational Audiobook English

 Stock Market Investing (with subtitles) | Beginners & Dummies Full Audiobook Relaunch

Secrets of Self Improvement Revealed – Self help 101

How to Focus on Self Development and Accomplish Growth | Audiobook

Review the 11 Common Types of Investments

Investing can intimidate a lot of people because there are many options and it can be hard to figure out which investments are right for your portfolio. This walks you through ten of the most common types of investments, from stocks to commodities and explains why you may want to consider including each in your portfolio.

The 3 Main Investment Categories

While the types of investments are numerous, it is possible to group them into one of three categories, equity, fixed-income and cash or cash equivalents.

The term “equity” covers any kind of investment that gives the investor an ownership stake in an enterprise. The most common example is common stocks. Other examples are preferred shares, funds that hold stocks, such as exchange-traded funds and mutual funds, private equity and American depositary receipts.

The term fixed-income covers any kind of investment that entails the investors essentially loaning money to an enterprise. The most common example is bonds, which come in various forms, including corporate and government, whether local, state or federal. Some fixed-income securities have equity-like characteristics, such as convertible bonds.

Cash and cash equivalents comprise a third type of investments. Besides bills such as you might keep in a wallet, this type includes checking accounts, savings accounts, certificates of deposit and money market accounts. Money market funds are sometimes considered cash equivalents because it’s easy to withdraw from such accounts, but they are technically fixed-income securities – albeit extremely secure securities.

11 Types of Securities

While it is possible to put investments into one of three categories, as described above, there are many types within these categories. Here are 11 key examples.

1. Stocks

2. Bonds

3. Mutual Funds

4. Exchange-Traded Funds (ETFs)

5. Certificates of Deposit (CDs)

6. Retirement Plans

7. Options

8. Annuities

9. Derivatives: The three most common types of derivatives are:

Options Contracts:  – Futures Contracts:  — Swaps: 

10. Commodities Here’s a breakdown of the four main types of commodities:

1. Metals: precious metals (gold and silver) and industrial metals (copper)
2. Agricultural: Wheat, corn and soybeans
3. Livestock: Pork bellies and feeder cattle
4. Energy: Crude oil, petroleum products and natural gas

11. Hybrid Investments

Hybrid investments incorporate elements of equities and fixed-income securities. One such example is preferred shares, which is an equity security with a bond-like feature. 

Another type of hybrid is a convertible bond. It is a corporate bond that can be “converted” into shares of the company.

 Stock Market Investing (with subtitles) | Beginners & Dummies Full Audiobook Relaunch

Starting a Business for Beginners & Dummies (Entrepreneur & Wealth Motivation) Audiobook Full Length

Review for Gaining BIBLICAL PROSPERITY

How to Thrive and Attract Abundance According to the Bible: https://www.youtube.com/watch?v=5qMEXow52U0&list=PLYyn-UVutcNAWathZ88vebl6ndhG9EHev&index=1

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Review to Discover How to Get Rich

A Poor College Person Who Do This Gets Rich Quick – Secrets Revealed: https://www.youtube.com/watch?v=Cuvz9yJbGHk&list=PLYyn-UVutcNCHfd8sSv0lmCax3sNdka2c&index=1

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Review to Know The Self-Made Millionaire Coaches and Team

1. MKSmasterkeycoaching.com
2. MKS Master Key Self-Made Millionaire Coaching will Teach You How to be a Self-Made MILLIONAIRE: https://lnkd.in/gnKkxZqG
3. MKS Master Key Self Made Millionaire Challenge mksmasterkeycoaching.com
4. MKS Master Key Testimonials https://lnkd.in/gMS7XUg8