Today’s teens are part of a generation that’s already known for struggling financially when they get out into the world.
The College Savings Foundation reports that 66% of upcoming college freshman plan to take out student loans. Eighty percent have no clue of the total amount of money they will need to graduate, and 82% haven’t even calculated the monthly loan repayment amount.
According to Equifax, recent college graduates carry an average debt burden of $23,200—a 24% increase since 2004! People in the 18 to 24 age bracket spend 30% of their monthly income on debt repayment alone.
What if there was a personal guide that would prepare graduating seniors for their college experience? Now, there is one.
Rachel Cruze is excited to introduce The Graduate’s Survival Guide. No incoming college freshman should leave home without this gift, which will help prepare them for many of the dangers and unanswered questions they have about college. The Graduate’s Survival Guide includes a book, presented in a fun and easy Q&A format, that will quickly become a trusted companion.
The guide also includes a humorous and informative DVD about college life. In segmented tracks, Rachel Cruze and Christy Wright share helpful and hilarious tips and stories on topics like class scheduling, finances, eating out, college living, and roommates.
The Graduate’s Survival Guide is the gift you wish you’d had when you went to college. Don’t let the graduating seniors in your life leave home without it!
Growing up as a Ramsey kid, Rachel Cruze learned the basic principles of money at an early age. Today, she's passionate about passing on those truths to her generation.
Since joining Dave's team, she has traveled the country to speak to teens and young adults at high schools, colleges and youth conferences. By teaching them how to budget, save for things like cars and college, and give, she hopes to change the way her generation views money.
Over the last 100 years, the road to success for most everyone has been divided into five stages that mirror the decades of working life:
Your 20s are a period of Learning. This is the decade of trying a thousand things, exploring a multitude of interests, and discovering what really motivates you.
Your 30s are a period of Editing. This is the decade of sorting out interests, where you discover what you really care about and who you really are.
Your 40s are a period of Mastering. This is the decade of narrowing focus, honing skill sets, and becoming an expert in your field.
Your 50s are a period of Harvesting. This is the decade of reaping the benefits of good decisions and enjoying the highest income-earning period in a career.
Your 60s are a period of Guiding. This is the decade of mentoring, training, and encouraging others on their own road to success.
Every successful person has followed these steps regardless of their occupation. But three things have changed the path to success and erased the decades associated with them:
Finish lines are dead – Boomers are realizing that a lot of the things they were promised aren’t going to materialize, and they have started second and third careers.
Anyone can play – Technology has given access to an unprecedented number of people who are building online empires and changing their lives in ways that would have been impossible years ago.
Hope is boss – The days of “success first, significance later,” have ended. A new generation doesn’t want to change the world eventually; they want to change it now through the wells they kickstart in Africa and the TOMS they wear on their feet. The value system has been flipped upside down.
The result is that you’ve got an entire generation pushing down to start over, another generation pushing up to start for the first time, and in the middle of this collision, the tools to actually change the world.
Experience years now trump chronological age. And while none of the five stages can be skipped, they can be shortened and accelerated.
There are only two paths in life: average and awesome. The average path is easy because all you have to do is nothing. The awesome path is more challenging, because things like fear only bother you when you do work that matters. The good news is Start gives readers practical, honest, actionable insights to be more awesome, more often.
It's time to punch fear in the face, escape average, and do work that matters.
It's time to Start.
“Jon Acuff is one of the most unique, compelling voices today in the area of personal development. I’ve never seen anyone tackle an intimidating topic like that in such a wise and witty, laugh-out-loud kind of way! I don’t care if you’re 20 or 60, this book will change the way you think about your work—and your life.”
Jon Acuff is a Wall Street Journal best-selling author. From writing advertising for The Home Depot to branding for companies like Bose and Staples, Jon Acuff is no stranger to the cubicle. In 2010, he closed the gap between his day job and his dream job when he joined the Dave Ramsey team to become a full-time author. Jon speaks nationally on a variety of subjects and is the author of three books: Quitter (Lampo Press); Gazelles, Baby Steps And 37 Other Things Dave Ramsey Taught Me About Debt (Lampo Press); and Stuff Christians Like (Zondervan®). Jon's wildly popular blog, StuffChristiansLike.net, has more than 4.5 million readers.
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