#4. Be a successful adult without debt
Student loan debt has nearly doubled since 2007 and after mortgage debt, “it is the largest amount of debt held by U.S. consumers,” as reported by the Federal Reserve Bank of St. Louis. The growth is due to the increase in the number of borrowers, in addition to the increase in the amount of money borrowed per person. You can either choose to go to school for four years and most likely end up like the other 48% of employed U.S. college grads working a job that is below their education level while paying $175 a month for the next 25 years (or $290 a month for 10 years, if you can afford it), or you can get one of the many available jobs mentioned earlier and use that extra $290 a month to, I don’t know, start saving for retirement.