The Weight Of Money Podcast
The Weight of Money Podcast is about breaking down the principles of being productive individuals. We will be discussing various topic of different areas pertaining to financial lifestyle, building Foundations & more. The overall goal is to become better than you were previously so provoking the thought of that is my gift to the world.
The Weight Of Money Podcast
A Broke College Student Story...
When it comes to academic success, seemingly small decisions make an enormous difference. Skipping assigned readings might seem harmless, but it creates knowledge gaps that compound over time. Even more dangerous is the widespread tendency to memorize without understanding—a strategy that fails spectacularly when professors test application rather than recall. Meanwhile, overambitious scheduling leads countless students into a cycle of all-nighters, poor performance, and burnout that undermines the entire college experience.
Financial missteps often cause the deepest, longest-lasting damage. Many students arrive on campus without basic budgeting skills, quickly finding themselves unable to cover daily expenses despite hefty tuition investments. The scholarship landscape presents another missed opportunity, as students overlook niche programs matching their unique backgrounds while competing for overcrowded mainstream options. Perhaps most troubling is the predatory behavior of some institutions themselves, slipping in unnecessary fees and providing inadequate financial aid guidance.
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Welcome back to another episode of the White and White Podcast, and I'm your host, duntese, and today we're going to give a little insight on just common mistakes that college students make, and I feel that speaks to a lot of people that either went to college or if you're going to college, for this podcast to help you in order to find a solution to better yourself and not fall into the cracks and crevices of what it means to be out in the real world. So, just to start off, we know going to college is a stressful time, especially in this day and age, to where you have to if you want to go to a good enough school. They are very competitive. You do have to have the good academic records. You do have to have, you know you have to have the credentials to back it up. So, with all that being said, no matter the responsibilities that are on your plate, if you're investing the time, effort and money going into college, you'll want to do everything you can to avoid these types of mistakes that can set you back. And you know you obviously can't predict the future of the planet ahead for Pacific herders. Life may send your way, but there are certainly ways to prepare yourself for the challenges people often face in college. You know some of my family are successful college graduates and they share some avoidable mistakes they made while pursuing. You know their college education so you can steer clear for all my people that are going or plan on going. As the saying goes, hindsight is 20 20, so take advantage of someone else's perspective to get a clear vision of college student mistakes you should try to avoid let's start with number one skipping the reading People.
Speaker 1:While the advice to keep up with required reading may feel like equivalent of being told a parent to eat vegetables, it's a really important factor for success. Most professors operate under the assumption students are trying to keep up with reading assignments and prepare lectures based on their foundational shared knowledge, so with meaning that you don't have to have a lot of times. Reading can project understanding, it can help you along the way, especially if you don't understand certain topics, and also asking questions. So never be afraid to ask your teachers about how to maneuver in their class, and from one of my people that I did ask and I say and another mistake that I want to touch on too, about college students mistakes taking on way too much I me personally I have had a share of this and it is not a good feeling at all. It it's time consuming. You don't have, you pretty much have no life outside of school and it's very taxing and it can do a lot to your mental because you know it doesn't pay to try to tack along too much at once.
Speaker 1:One of the biggest college mistakes students make is overloading their schedules and take so many classes. You deal with sports, you try to to build. Now you are trying to pull all-nighters to cram for a test that you didn't have time to study for or that you forgot to study for. One of your friends had to remind you to be like, okay, we got this test coming up, or this professor sent you an email and that really can take you away from a lot. There's nothing wrong with always being on task and I'm not saying that but striving to be an overachiever in college and you don't know how to carefully maneuver through that in your schedule is going to be taxing on your work life, social life. It can be even with family life.
Speaker 1:If you do have kids going you're taking care of out of school because you don't have time to focus on none of it, meaning like when you get assigned assignments day by day. Sometimes you have eight assignments a day, 10 assignments a day, and you have no time to just sit there and not do them. So you have to get ahead and not even when you do that you have other assignments that do the next day. It said that maybe do that next Friday quiz. That may get in that minister, that following weekend or the upcoming week. So it's a lot gauging on time. And if you don't know how to manage your time right, college is going to be very, very hard for you. Don't know how to manage your time right, college is going to be very, very hard for you.
Speaker 1:And there's another thing too. I feel like what a lot of people do when they come into the concept of cramming or trying to learn information. They try to memorize without understanding. A lot of education involves memorization, but if you want to get the most out of your college program, you need to understand the relevance, the context and the inner workings of the subject, not just the figures, names and dates, without understanding the information. And you just trying to memorize something that you don't get. Teachers don't ask you the question in the same format in which they give it to you. They usually try to switch wordings around or try to switch answers around or make the answers look similar to each other to see have you really been paying attention? Have you really been reading? That's where the first reason comes in, that everything plays a part in itself. And if you don't believe it, just try taking the test without looking over the information and see where you end up.
Speaker 1:College is not for everybody. A lot of times I've been seeing valedictorians and salutatorians. Some of them didn't even graduate. Some of them didn't even go to a four-year university. Some of them just started working, started making money, and it's okay. Everybody doesn't have to go down this college route, because college is stressful when you actually put down the time and really just think about how life can kind of supersede everything. You have to plan. You have to have a set goal in what you're trying to reach, because it comes with a lot. It comes with a lot of time, a lot of money getting put into it. And speaking of money, this is another mistake that I feel like college students make all the time and I have friends and colleagues that have been in this situation. You even have older adults that are still going through this and you want to get what it is.
Speaker 1:Ignoring expenses and being in a college program does not mean the daily costs of your life are put on hold, even though you have high hopes for a better job or salary after graduation. It's always important to remember to budget what you have and be careful just on spending preferentially the expenses that you have. Pretty much the time is your life on campus. If you get caught up with going out to eat, always buying this, not really budgeting your money while you're on college campus, you can end up not having a meal plan. You can end up not having enough to get a meal that day, pretty much starving, don't have nothing to eat, or you have to tell people to send you money so you can do all that food, and that's a terrible way to live. Because I feel like it, though, when you get in college, how much money it is to actually go to school, because if you're going, you're at school for months on end. So meanwhile, your financial aid is taking care of your board and scholarship or whatever. You still have to eat, you still have to watch, you still have to do a lot of things. You still have to do this. It's not cheap.
Speaker 1:This is what you call people responsibility. This is something that a lot of people don't even get a chance to even go through until they go to college. Some people work early, some people start working late, and even when they do, they still don't gauge the responsibility that they need and actually putting themselves into a greater financial decision. And for all my high schoolers, this tip is catering to you all, and even people that's still in college. This is another problem, too, that I had, even with my school, because my school really didn't facilitate they didn't facilitate foundation to where we could be able to even go get scholarships or be able to even to be able to understand what financial aid meant and knowing good scholarships to get. So, therefore, when we got to college, we didn't really have to pay much. It was favoritism involved.
Speaker 1:So what I want to tell you all people prioritize applying for scholarships, especially niche programs that focus on a particular passion, unique background or experience. It definitely can take some time or effort, but it's opportunities out there. Not every scholarship is going to be huge, but even a handful of smaller awards over the course of your education can have a substantial effect, particularly when you're considering the cost of compounding interest on student loans. People, scholarships will help you, even if sometimes you might have to be up a little later than what you have to be. But they come in handy, I promise you, because once all that money gets spent over that time and you have to dig in your own pockets, you're going to feel it, especially if you don't have the correct savings to do these things, if you don't have the money to be able to, if you don't have the time, or if you didn't put in the time to actually look for good scholarships that's catering to your major and what you feel like your interests are. It's going to be definitely hard for you after everything is said and done.
Speaker 1:So that's why I feel like this is something that you definitely got to do. This is something that you automatically have to put yourself in in a mind perspective. Okay, and it's not like oh, you got to put off the money, talk, can't worry about your financials. My parents got this. Some people's parents don't. Some people's parents can't afford their college like this. So therefore, they have to put in the extra effort in order to come up with a way to be able to okay, I need to do work, study. I need to have a job outside of this, outside of college, to where I can commute to and do that. I'm a college student. I need to. I have bills to be paid, I have tuition, and I'm going to be honest with you too, the people that may be over financial aid or whatever the case may be, in case you're listening, don't take it personally.
Speaker 1:Financial aid or whatever the case may be, in case you're listening, don't take it personally. Y'all do not do y'all job. Y'all suck at y'all job, and it's just being honest and it's not even being it, because a lot of y'all do not try, y'all don't help at all and, matter of fact, y'all only give students the runaround and therefore it leads up to us questioning how y'all even in this position, or how do I get my situation straight to where I can get my aid back or where my scholarship, or I thought I had this, I thought I had this, and I go to the financial aid office and I'm getting told everything else but what I seen on my account. People don't talk about this enough. It's a lot to deal with when they come down dealing with these people inside these offices. All you're trying to do is make sure you're good enough to be able to make sure all my classes in place, I got my credit, and make sure how much money do I need for each term, and make sure y'all not overcharging me, putting extra fees on my account when I don't need it. That's another thing.
Speaker 1:People, you got to watch your account somewhere, like you got to watch your bank statements, your credit card. All that because sometimes colleges will put into place where they do ask a little 50 hundred dollars here just to see can they get away with it and see if you don't catch it. They're gonna keep continually doing and you're gonna wonder why. Like now, it's gonna get to the point to where they eat your scholarship money up. It's a lot living on campus, like I had a friend. She told me it's just six thousand dollars just to get your own room by yourself, but you still have to share a bathroom and, mind you, you have to share a bathroom with a person that may not be that hygienic. All people are not hygienic. All people didn't come from that type of background.
Speaker 1:Some more mistakes on the networking side and I feel like this, comparing yourselves to others in this world we live in, it's always gonna be somebody better than you in something that you may feel like you're the top dog yet but and there's no reason, and I feel like this is what hurts people instead of trying to compare yourself and look at it as competition, get with that person. See what that person does and try to apply it to your intake of how you intake school or even your study methods or anything like that, because it can get. If you do have a low self-esteem about yourself and you're not, you know you're not as confident. It's very common. A lot of students don't really come out and say this, but they do feel inferior and some students will treat you as inferior. So, regardless of whatever level that you reach, you won't always have somebody that feels like they're above you in a way, no matter if you become a CEO. Oh, you're a CEO. I've been a CEO for 10 years. You just got here. You're just now understanding what a CEO is.
Speaker 1:Some people need competition to thrive off and feel like they have something to need to live off of, and you don't have to live your life like that. Even if people say it's a man, it's a dog eat dog world, or man eat man world, or whatever. I'm not in competition with you, period. What I'm doing is to further myself, build my foundation for my family and myself and and you know what I'm saying Just trying to get that financial freedom that we all hope to get. That's it.
Speaker 1:I'm not looking what John or Jane or Emily's doing back at the crib or back at, you know, family university. I'm in Mississippi State University. I'm not doing it. I'm not comparing myself to people, because a lot of times you can't. Like I said, everybody's built different. I'm not like you and you're not like me, because where I may feel shorted, you might be strong, but where you might be, you're weakest. I'm the most powerful in this and it's like you got to look at it. I feel like when you comparing yourself to people, you're limiting your expectations to what people should have of you and what people should. And another thing I want to say, people is get the most out of your time in college. With a better idea of what most of these college mistakes that I just named, you will have a little more help navigating your education. Good colleges and university programs Offer resources and support systems like therapy. Sometimes you have a social group they can meet up with or anything like this, and sometimes students don't even know these resources exist and people make sure you're on the ups and ups about what resources that are there for you. College can get hard. College can get very irritating and stressful. I understand that If you have places to where you can go, get a therapist where you can.
Speaker 1:This will be the end of this episode and I appreciate y'all for standing and sticking in and watching and make sure y'all follow us on Apple Podcasts, google Podcasts, amazon Podcasts, spotify, all that People subscribe to the YouTube page. How many times do I gotta tell y'all to subscribe to the YouTube? Y'all watching Y'all down, oh yeah, and keep downloading the episode people. We almost to 500 downloads. I appreciate y'all and love Y'all. Down, oh yeah, and keep downloading the episode people. We are up to 500 downloads. I appreciate y'all and love y'all so much. And you know, happy Valentine's Day to all the lovely ladies out there who you know, for the one that got a Valentine's and for the one that didn't, you know, and I got y'all a little kiss for the one time and I appreciate y'all so much for supporting the.
