Life After 18

12/07/2025

Love this!!
https://www.instagram.com/p/DR2H2I0jHrb/?img_index=9&igsh=MTYxYmNodzFzbGtxMw==

12/06/2025

He makes some good points.

College isn’t a scam.

But pretending college is the only path to success?

That’s the real problem.

This kid drops out with a perfect ACT score, starts a land-clearing business, and pulls in $20k profit in month one.

Good for him. Truly.

But here’s the part everyone forgets.

For every story like this, there are thousands of young adults with no business plan, no work ethic, and no clue what they actually want… who hear “college is a scam” and think skipping school is some kind of shortcut to wealth.

It’s not.

I dropped out of college myself.

Then I joined the Army National Guard to pay for the rest of it because my parents couldn’t.

That decision changed my life.

Not because a degree makes you rich, but because discipline does.

College didn’t make me a millionaire.

Entrepreneurship did.

But college did give me structure at a time I desperately needed it.

Here’s the truth almost nobody online will say out loud:

College is a tool.
A business is a tool.
A trade is a tool.
The military is a tool.

None of them work without you doing the work.

And if your entire business model collapses the moment you stop working?

Congratulations, you didn’t escape the system — you just built your own job with extra steps.

So no… college isn’t a scam.

Selling certainty to impressionable kids on the internet is.

12/05/2025

Well, this proves it: if you don’t take care of yourself, no one else will.

12/05/2025

🎄⚠️ HOLIDAY SHOPPING WARNING ⚠️🎄

Oh look at that cheerful cashier asking "Would you like to save 20% today by opening a store credit card?" They're so not telling you the whole story.

**Here's what happens to THOUSANDS of holiday shoppers every year:**
You sign up for the store card ✓
You get the discount ✓
You make minimum payments ✓
You think you’re doing fine ✓

Then month 25 arrives and BAM—$800 in "deferred interest" gets added to your account because you still owed $50. You paid on that $2,000 purchase over two years but suddenly owe $850 more!

**BEFORE you sign up for ANY store credit card this holiday season, look for these RED FLAGS**

🚩 "Deferred interest" in the fine print (THIS IS THE BIG ONE)
🚩 Interest rates above 24% after the promo period ends
🚩 Payment-free periods that sound like a gift but make it harder to pay off
🚩 Minimum payments that are way lower than what you need to make in order to pay that bill off during their promotional period

**Then ask yourself these questions**

✅ Can you pay this off COMFORTABLY (not just technically “afford it”)?
✅ Do you have emergency savings if my car breaks down or I have a medical bill?
✅ Have you read ALL the fine print, not just the bold parts?
✅ Is this item something you need, or are you buying it because it's on "sale"?

If you can't answer YES to all four questions, walk away from the offer. That 20% discount isn't worth the risk.

Want to understand exactly how store credit cards, deferred interest, and "same as cash" offers work?

👉 Visit Life After 18 .com/Credit Scores and Credit Cards lesson for comprehensive education on making smart credit decisions.

Protect yourself this holiday season. Your wallet will thank you in January.

12/03/2025

This is worth a read.

11/26/2025

11/23/2025

Probably learned some of these a bit earlier than others, but, better late than never!🤠