Transcripts Including Tag: fafsa

Description: College hacking :: FAFSA

These are the transcripts that include the tag fafsa.

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015: Justin Root of Good Yes certainly. And I know I know a lot of people in the financial independence realm end up in engineering and that was one thing that the engineering school was very discerning in terms of what credit they would let in and what they would deny and it had to be you know the calculus based physics classes the calculus based electricity and magnetism classes it couldn't be the regular version of it. So if you took the regular version you would not get credit for that engineering physics in the university and so it is essentially just a wasted wasted money for the AP exam and waste of time and effort. Unless you're going into a non engineering disciplines so you kind of you've got to figure out where you want to head. At some point you know 10th 11th grade which can be challenging but but you know once you once you do figure it out and you to make sure that those credits will transfer in. And I think that the segue into the next big thing of college is once you're there how do you pay for it. Hopefully you can do it in three years if you gone in with some credit and have a you know have an intentional focus on getting a a worthwhile degree that will at some point earn you money and that could be a lot of different things that does not have to be engineering or computer science although that does seem to be very very popular in the early retirement world just because I think it leads to a pretty high salary right out of a four year university. And so you can start earning and start saving a lot of money but once you're there you know there's there's the financial aid aspect of it. A lot of early retirees will do very very very well when it comes to the FAFSA financial aid form that that actually ignores your tax deferred savings so your 401K your IRAs they don't really look at those when it comes time to calculate how much financial aid you'll get based on need. So what really surprised me was how poor we look on paper as firewalkeers so your portfolio I really you know I did not even think that we would qualify for any kind of need based aid going into into college. So several years ago I was kind of like OK you know we're I need to have lots of money and they're going to have to work a little bit. They're in college and pay their way for you know beer money you know room and board that kind of stuff. But we'll wing it we'll figure it out. We've got some money in the 529. And then I actually plugged it into one of those online financial aid calculators and I was like wow they ignore your house and ignore your million dollar retirement portfolio. They're looking at your taxable investments and your cash on hand and your actual earnings and most early retirees have very very low earnings just because they're pulling from investments they're pulling from you know maybe selling some stocks for some capital gains but just not really you know that the adjusted gross income for most early retirees is rather modest they're not earning those six figure salaries anymore most people aren't spending six figures or if they are they're not they don't have a six figure adjusted gross income. So we look poor on paper. We put we look asset poor we look income poor and those are really the things they look at for their financial aid. Unfortunately you know the people that don't really need the aid as much will end up getting it from a societal perspective it's unfortunate but from you know from a greedy self-interested perspective most early retirees will do very well when it comes to financial aid. So I think there is need based aid out there for a lot of people that what will help mitigate some of those college costs. Lots of things you can do. Have the kid live at home for a while if they want to. You know we have local universities here. There are very good. So that may be an option. The kids say they want to do it now and they're age 11 age 10. They say they want to live here. That may change things. So I'm not I'm not banking on that. But you know it will be flexible either way. Once they do end up in college there's lots opportunities to make money while they're there. You know there's there's the bussing tables waiting tables kind of thing. But there's also lots of internships available. You know if you're if you're getting a degree in business or sciences or engineering tons of companies are out there hiring people. In those fields for part time work during the school year and particularly during the summers or through co-op programs. So you get tons of practical experience in your career field. You very often get a salary or wages much higher than minimum wage. You have something on your resume so you have network connections with people in the in the industry already you have a resume that has these jobs on it.
015: Justin Root of Good Yeah I agree. I think I spoke with someone at the financial aid department at university of Richmond and yeah it was income and you have to quote unquote qualify for financial aid which I believe to be the FAFSA but obviously I have to look into it a little further before the time may come for my kids to contemplate college. But but yeah you know this is something we all need to be aware of and honestly we need to write articles and do podcasts about this down the road. So everyone in this community can can really benefit from it.
015R: Friday Roundup You know I actually was reading in a news article recently and who knows you never know these things if it's fake news or not but this article is saying that the Joneses were based on this family that had this massive mansion and it just popped up in the news recently that they actually had a foreclosure on that home. So even the Joneses of the Joneses go bankrupt trying to try to keep up with themselves. I don't know maybe you find that funny or encouraging but I saw that on the news recently and thought it was worth sharing. But I love that I'm trying to be more like Brad. I'm trying to be more like Justin I'm trying to be more like millionaire educator I'm trying to model my tax returns and my finances around these more optimize streamlined paths. And when these are your mentors these are the people you're getting ideas from. You cannot help but fall into wealth over time you know and it's like J.D. says it's not getting rich quickly. You know I don't have that strategy for you I'm never going to send you down to the 7-Eleven to go get the lottery ticket and then tell you that the real key is to play these certain numbers but get rich slowly you can do that every time and it actually doesn't take as long as you think. Once you understand the simple math of early retirement. So just I just love it these things resonate with me. We are what we're building here we're building a framework. And so one of the things that I'm super excited about we are starting the conversation on how to hack college. We know that college is inefficient. We know that it's this bloated model. And to be honest nobody has really put together a great set of resources for how to do college. The smart way and probably a lot of that is because most of the fire community is over the age of 30 and we're too young to have kids that are in college right now but we're too old to have to worry about it ourselves so it's kind of this maybe the self interest type thing that promotes a lot of the material that we produce but because we're talking about hacking college and because we're getting to a point we're having to start thinking about it for our kids. People are coming forward and telling us we have these really cool ideas. And one of them is is Edmund Tee who's now a contributor at Choose FIq. He's going to be helping us he's me writing a lot of content about different type of life hacks and how to hack college. And he is producing an article series right now that shows how he got his son through college in half the time for a fraction of the cost and that that's going to be a mind blowing article when he publishes that he's working on it right now. And also Sun woo hoo I've told you all about before he took that podcast that we just did and is using that as the inspiration for him to actually go back to the drawing board. He's going to completely show you how to hack the FAFSA. So if you have kids that are going to be going to college in the next several years Stay tuned. We're going to be getting that content out to you and then point you to it when it's produced. But the FI community has gotten really good at learning what the rules are and then learning how to channel them to their advantage. And all you have to do is know how to find that information and then incorporate it into your life. And we're going to try to take care of those first two steps for you by showing you exactly where that content is and then doing our best to distill it into information that you can absorb and actually use. And I think that's a power of what Brad and I are trying to do here every single Monday and Friday that we get on this podcast.
015R: Friday Roundup Yeah I think that's awesome I cannot wait to see the information that Ed and son Woo put out. I know it's funny I'm such a long term thinker. My older daughter is in third grade now so she's 8 years old. And while it doesn't seem like it's right around the corner it's 10 years from now she's going to go to college and 10 years are going to go by in a blink of an eye. But if I can plan now and this is the beauty like you just alluded to of being in this fire community is we know the rules and we try to figure out how to make them work best for us. So if I can start now in March of 2017 planning for how can I hack the FAFSA 10 years from now. Well that might inform my financial decisions for the next 10 years if that can help save a couple of hundred thousand dollars potentially on college just by being smart. Right. That might mean paying off my mortgage. You know I don't know what the answer is but it might mean if if your home equity is excluded that might mean paying off my mortgage with cash that I have sitting in my normal taxable funds because it would count towards our college contribution if it was sitting in taxable funds but it won't count in in home equity. Well of course I'm going to pay it off. But you know that's just right off the top of my head but you know it's I'm so so endlessly fascinated by this because the dollar figures are just so enormous you know. And I just kind of wanted to pivot back real real quick to the keeping up with the Joneses there for a second and just kind of throw my two cents in which is that people who drive around looking like they're rich. In my estimation are generally poor and I don't consider if you're rich by how much money you make. It's to me it's how much money you save and what your net worth is and it doesn't matter if you make $30000 a year or $200000 a year. That that is not the line the market delineation for who's rich and who's not It's not the income it's how much they save. Because you know frankly like when my brother graduated college he was living at home. He hadn't got an. You know this was years ago of course but hadn't gone in a full time job yet and he was just waiting tables but he was saving essentially 90 percent of his income and he had at that point you know I don't know the exact number but let's say he was able to save 10 20 $30000 some some big number. Right. And like you know people would look at him as oh he's waiting tables. I don't even know where it was Ruby Tuesday is or something like that like he must be poor but he probably had more net worth than the executive driving around in a BMW 5 series with their you know stupid McMansion. Right. Because those bozos don't save any money. It's about making those right choices and saving money. So obviously I can't I can be a little harsh sometimes calling people bozos and things but it's not about income. That's what I want to stress here. It's about saving money and just being a little bit smarter than the next guy. So that's that's how I live my life. And I think I think it's important and I think it's valuable.
017R: Roth Conversion Ladder Totally. I get so excited we're just figuring out what this picture looks like for this couple in their mid 30s. And obviously the key that we're coming back is maximize that 401k. Are you all hearing that get as much in that 401k as possible just do it right. That's number one. Number two is we want to get some extra in some other accounts maybe a Roth maybe a taxable account. We want to get something else because once we get this Roth conversion ladder that we're talking about rolling we're going to need about five years of living expenses in a perfect world. That's what we have. But then the other half of that this FI wins we all win. Right. It's because a lot of times what we're doing we're buying freedom and flexibility and we're not this isn't the early retirement podcast right we're not saying do nothing do nothing. The Internet retirement police you know stay away from us. That's not what we're saying. We'll probably be doing this podcast long after I'm financially independent. Yeah. You know why because I love it. Right. Why be doing real estate and financially independent. Absolutely because I love it. And so what we're encouraging you all to do is focus on FI. Let's get to FI. But along the way why not do a side hustle and again a side hustle is not working and hating. What you're doing it's finding what you love and then finding a way to monetize it. Right. So I mean just some people say it doesn't happen much you don't need to make a hundred thousand two hundred thousand five hundred thousand a year because of the lifestyle that we've created and the investment vehicles that we're channeling that's going to take care of financial independence. But if we create $20000 of income on the side forty thousand dollars of income on the side and it's doing something that we would legitimately love so while our neighbors are watching Grey's Anatomy you're putting a little bit of time and your side hustle that it is your hobby you enjoy that you figured out how to monetize that and it's bringing an income for you and your family and it's mostly passive. But when it's not passive you're loving it right. That's the power of the flexibility of the vision and the story that Brad and I are trying to tell you have so many options. But the baseline is max out their freaking 401k go do it now. Figure out how you're going to cover those five years of living expenses and you can be creative with that and it doesn't have to be perfect but that's what it looks like. That's the conversation. All right so next let's just talk real quick about where Chooose FI is going so college hacking just got real guys. Edmund Tee who is our first contributor at Choose F-I dropped the article on dual enrollment. These things are going to drop in a somewhat structured order for you guys. We're finding like thought leaders and contributors that want to put their ideas in a place this compository where you can just get all this great stuff and you can figure out how to apply it. And so Edmund dropped this one dual enrollment is as is what the article is about and it's something that most people have known about or known somebody that did it at some point but in the FI community we focus on winning right. And so with dual enrollment What if you actually apply that to your entire college experience not as just something you accidentally fell into and did at one time and happened to get credit. But as a way to cut the time that you have to spend and the money that you have to spend in college in half That's the power of dual enrollment and he just dropped that article it's on choose F-I it's a feature article. You can also go to college hacking on our Web site and you can go read that and it is super powerful and it is what I will be is one of the main tools I'll be looking at for my child as they pursue college. The FI community is going to look at college differently. We have plans for this and our plan is not that you don't do college I want to specify that you don't have to I think you can still earn money other ways. But what we've been saying from day one is that it's bloated it's inefficient and to come out of school with $80000 in student loan debt to make $40000 a year is ridiculous. Totally ridiculous. So we're going to crush the system and Edmund Tee is has stepped up to show us how. Check out that article on dual enrollment. Next here's my plan right now Sun Woo has just written his first draft on how to hack college through the FAFSA. His idea is you can have a million dollars in assets and get an zero percent expected family contribution on the FAFSA. This is huge. This is the next key because we're all about arranging our finances in a way that optimizes optimizes us to succeed in life. Now let me tell you just a short story. I am the oldest of five kids. My dad was my mom was a stay at home mom my dad was the only one that worked. He worked as a college professor and probably when we were growing up he made you know 30 40 50 thousand a year with five kids. And when it was time for us to go to college we got a zero percent help on the EFC zero. Like they just thought we made too much money I guess. I don't know how that's possible I really don't. But that's what came back. But you know what. My dad didn't know the rules and we didn't know what calculations they looked at when determining what your EFC does. Sun Woo just went and figured all that out and wrote it up in a post and we're going to be unpacking that for you all in the very near future here. But that's the power of being in this community. You learn the rules so you can win and you win at things that actually affect your life. These are these are things that every single person listening to this either it will affect your life directly it will affect your child's life or affect someone that you know. And that's the information that we want to get to see that's coming soon. So right now here's what you do. You go to choose FI dot com you go check out that latest article on dual enrollment. Get that idea that concept locked down if you don't need it right now you put it away and you know that it's going to be there when you need it. And then the next piece of that is let's look at how you can arrange your finances you don't end up in a situation that my dad ended up with five kids and zero percent aid on the EFC formula. Let's learn how to optimize your finances so you can have a million dollars in assets and get 100 percent aid on the EFC formula. That's what that's where I want you all to be. Right Brad you've got two kids one of them is nine years old. They're going to this is going to be a reality for you in the near future. Does dual enrollment in how to hack the FAFSA sound like something that you could use your kids over the next five years.
021: The Pillars of FI You know as far as college hacking goes you know this is something we're going to talk about certainly in great detail over the next year or years because it is such a big line item in people's budgets and you know we had an article on dual enrollment where you can start earning college credits and in high school and really you know cut the number of years that you have to to actually go to a four year college. There are ways to you know go do something unconventional You know not go to the best college you can get into but you know go places where you can get scholarships or even better go to a community college for two years and then you know make sure again you know the rules. You know we always come back to these pillars. Right which is what we're talking about here which is knowing the rules and maximizing that right. So if if you know for certain that your child can go to X community college you know around the corner from you and can take all these courses and have them transferred to a top tier public university in your state. Well I mean that's going to save you essentially two years worth of college. I mean because community college is extraordinarily expensive. Then we have seonwoo lee coming out with his article on hacking the FAFSA which we're going to detail in depth here. I mean there are ways especially for people in the FI community who eventually who once they're in fire don't quote unquote have a lot of income. Right we have a lot of assets but not a huge amount of incoming income. Well there are ways that we that you can hack college aid and potentially get any college for free or pretty close to free. So this is this is a real big item. And that's why we included it in the pillars of FI.
021: The Pillars of FI And that financial freedom clock starts when you hit zero and the thing that keeps people from getting to zero faster is the student debt. So that's why this is such a big play. Let's let our next generation let's try to get to the point where they're they're starting from broke or starting from zero. You know in their teens instead of in their 30s. Years. Nuff said there. That's one of those will constantly be coming back to if you want more information on that. You can check out our episode I believe it's 15 with Justin from root of good also called second generation fire. And then we went. We had a featured article by Edmund Tee. That is under our college hacking page on our Web site. Check that out where he talks about how he saved his son two years of his life and eighteen thousand dollars by focusing on dual enrollment and then to come soon will be that college. Hacking. I'm sorry the FAFSA hacking tutorial by seonwoo and we'll let you all know when he releases that OK. Pillar number 7. This is one that is very unique to the FI community and in fact I think it's what puts us at odds with you know the Dave Ramsey crowd and this is the joy we get from travel rewards the pure joy that we get from traveling the world for free. So you have this entire army of people and maybe rightly so maybe rightly so they say that credit cards are the devil and you should cut them up and they are and they are ruining lives and you know actually that's probably true. I don't really take issue with that. That is true. They are dangerous. But our audience is a different audience. We're already doing all the math on everything we're already for other reasons not because we don't we. We have the self-control we've demonstrated that we're pursuing other things we're not just purchasing stuff just to purchase that we're already talking about. What's the value of something and how is this holding me from getting back to my financial future. And so once you're debt free and living far below your income all that stuff about credit cards goes out the window and now we can actually start to look at credit cards as a tool that we can use to literally travel the world for free. And it's a completely different conversation. So Dave Ramsey can be 100 percent right and 100 percent wrong. At the same time depending on the audience that he's talking to many people need to cut up their credit cards. I don't deny that I know who those people are. I probably would be in danger of being one of those people at some point in my life if I didn't see what the other side looked like. But I'm pursuing FI and I organize my life in a way to make FI possible. And in that construct that I've created. Credit cards are a tool that I can use to literally take my wife to Italy for free next year if I want and spend a week there you know and I don't have to spend anything extra for it. It is a way that I can go and visit my in-laws in Zimbabwe and Africa I can go to Cape Town. It's a way that I can take my family of four to Disney World for free. It turned something that could otherwise be stressful into a game that I can play and I can only do it because I'm in the fire community and because I know these tools I know about these life hacks they'll allow me to do that. Allow me to leverage it. And that's something that honestly that's something that Brad taught me. He was the one that finally got me in on this on this fun game. And so I'll forever be grateful to him for that. And at the same time I'm incredibly excited that that's something that now we can share with your audience and that you all can benefit from it as well.
021R: May Case Study And just in the same lines. By the way guys we've been telling you the sun woo was going to write an article on how to hack the FAFSA and have a million dollar net worth and get a zero dollar EFC. He released that article just this past week. So we're going to put a link to that in the showboats. You know guys you can get the show notes from today's episode by going onto our Web site. But if in the future you would like to get the show notes in your inbox. We will. We can actually send that to you right away if you subscribe to our e-mail list so to do that. If you're on your phone you could just text choose F-I That's one word for for 1:58 or if you're on a desktop or laptop you can just go to choose if I dot com slash subscribe and get on our email list and that is probably the simplest way to get access to each individual episode show notes you know directly as they happen so you can actually follow up on this stuff. But I think I'm very excited the sun woo release that. I think that that is starting a conversation that is long overdue. And and certainly you know as we crowdsource this thing and we bring in other people's ideas we are going to figure this out. We absolutely are I'm much more optimistic about college time about health insurance. All right. So one of the questions that we asked Paul was you know what what psychologically Paul what's holding you back.
023R: Friday Roundup Melissa says I wouldn't be working and I would be traveling a lot more. But my house car neighborhood friends activities wouldn't change a bit. Lori says Way less work way more travel and Alan from pop up business school he says. I think there would be some work I would drop and I would probably play a little bit better but unlimited money probably wouldn't change things that much. So guys we appreciate your feedback. We try to include those each week if you want to be part of our growing community and it really is growing. Please go to choose FI dot com slash Facebook that will join our Facebook page and you can join the conversation which as you know we get excited about sharing with everybody. Alright guys. I know we're not going to play it today. But Paul did leave us some more information which I'm super excited to share with you about his plans for college and it sounds like he's planning on doing some college hacking. Now I'm going to save his message for the next round up which we will do I guess next Friday I'll play his ideas for college hacking. But today I wanted to announce that Edmund who is one of our senior writers and contributors here at ChooseFI and you guys I've told you about Edmund before he is probably one of the highest level FI thinkers on the planet and I'm not exaggerating this. I honestly cannot wait for you all to find out more about the work that he's already done and that he's continuing to do. But he's one of our senior writers and contributors at Choose FI and Edmund is going through the process of college hacking for his kids. So this is something he's actively researching. I mean this frankly I don't think anybody is going to be able to dig deeper in the weeds and find the gyms that we can all use than Edmund and he is taking all the different resources that we have kind of started to talk about and he's putting them together for you in a roadmap that you'll be able to use so we told you the sun woo incorporated the college hacking the college FAFSA a week or so ago Edmund's putting that in he's also putting the dual enrollment the clep testing the micro scholarships he's building it all into a replicable process that you can use if you're in our fire community. And guys I cannot stress this enough. This article series that he's piecing together is a game changer. I mean this is what we've been waiting for. We've been waiting for one person that's figured it out or has the ability to figure it out. To put it together for us in a package that we can then talk about and turn into a conversation and I promise you Edmond is your guy for that so we're going to be releasing the second article in that series this upcoming Wednesday. If you are subscribed to our e-mail list you will get a notification as soon as it's released so if you want to subscribe to our email list you can text choose FI That's one word to 4 4 2 2 2 choose FI to 4 4 2 2 2 and you'll get a notification when that's released works. We're thinking it's going to be Wednesday morning. It's mind blowing guys. I mean is this what you have been waiting for with regards to college hacking and our community is all about the second generation. That is what our focus is so you're going to want access to that. And I know Paul is going to want access to that as this is the process that he's planning on using and Edmunds says frankly for the community college it should cost a max of 30 to $36000 absolute max. And so Brad I know that you are kind of. Is it possible is it doable. I'm going to convince you on this and we are going to create this story that you might even to end up using for your kids Brad.
025R: Friday Roundup Case Study Part 4 You don't know what you don't know until you do. And I think Mark probably has a better handle on how this federal student loan programs work than either of us do at this point. Now in a perfect world we would like to set up our families to already have all the money ready for second generation fire. And there may be a play here and then I don't know how it works frankly I'm going to be honest I don't know how this would work to hack the FAFSA. And part of that may be sheltering some of your money from the FAFSA by parking it inside of a vehicle like Mark is describing. We just got the conversation started today and I don't think that this puts a period on it rather it would just open it up and we're figuring out where it goes and we'll be able to put this together. The other half of that is if you are already in the federal loan program or you already have it. I think Mark is the one that could really help us game this thing out and show you what your options are for squirming your way out of it down the road.
025R: Friday Roundup Case Study Part 4 Hey Brian. Jonathan this is Bryce Imhoff and I wanted to share a few strategies that I used to hack college. I graduated just a little over two weeks ago from the University of Arkansas and SCC member school with zero debt and a total of forty seven thousand two hundred nine dollars in scholarships and federal grants. I continue to hear you guys talking about trying to figure out how to hack college and I think I might have some valuable feedback for you on this subject. My tuition was roughly $32000 or $4000 a semester and my parents paid for three out of my 8 semester in school. I decided to get married during Christmas break my sophomore year which required us to completely separate from my wife and I's parents financial support. I then went on to receive $41209 of scholarships and aid in my last five semesters of school. You guys have talked a lot about hacking the FAFSA on the show. And I think there's tremendous value there. But one of the most overlooked sources of aid in universities around the country is current students scholarships through your university specific college and major My university offered the current student scholarship that required you to submit a resume write one or two short essays on some broad topic they assigned and get a few recommendations from an advisor or professor. I received a total of twenty thousand six hundred nineteen dollars in merit scholarships after my sophomore year of college just from applying in a broad general pool of scholarships. I submitted one application for the university wide current student scholarship one for Fulbright college. The liberal arts college on campus and one for the political science department. My junior year I only received $2174 and merit scholarships. But I hacked the FAFSA to make up the difference. My senior year I went through the exact same process of scholarship applications and I received seventeen thousand $445 and merit scholarships over half of the entire cost of my degree in one round of applications. The key to successfully getting current student scholarships is a really competitive GPA and student leadership involvement on campus. I had a really high GPA and I worked a few different jobs on campus that put me in everyday contact with professors and advisors. Each job paid well above minimum wage and there are countless jobs like this on campus. If you really want to get them. Another advantage is that a very small percentage of people apply for current students scholarships and even less apply for departmental scholarships. If you can keep your grades up and stay disciplined each year you set yourself apart a little more and become more competitive especially within your major slash Department which explains my jump in scholarships from my junior to senior year. The second part of how I hacked college was the FAFSA because I was married our parents income was no longer required on our FAFSA's which allowed me to qualify for basically all federal grants available to me. Why merit scholarships were combined with my federal grant aid. I was being paid ten thousand dollars cash per semester after all tuition expenses had been paid. My senior year. So in summary take school seriously and make good grades. Merit scholarships are based on merit. Get an on campus job during the year last summer. That puts you in contact with influential people. If possible go to a public university. I paid $32000 for tuition for four years versus roughly 50 to 60 thousand for a private university apply for every student scholarship again. There is much less competition when applying for scholarships in college versus applying from high school and your ACT or SAT scores don't matter. And lastly and I think this is most important have some skin in the game. My parents were high income earners and I was happy to let them pay for school without any effort on my end. I honestly had a little bit of an entitlement mindset and staring at potentially $20000 in student loans. Lit a fire under me to go make it happen. All right guys thanks again for all hard work on the Web site podcasts and the podcast I hope this provides some value.
033R: The Friday Roundup Alright our third winner is Mark and Mark said for most of us the path to financial independence is a marathon not a sprint. With new episodes every Monday and Friday choose F-I keeps me motivated and as I start off each week and as I make my way into the weekend they helped me keep my eye on the ball and stay focused at work helping me focus on what I'm working towards. It has quickly become one of my favorite podcasts. I'm really looking forward to the information they release on how to hack the FAFSA and other college funding tips and tricks. Keep up the good work Jonathan and Brad and thanks for the chicken shawarma.

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