5 Mistakes To Avoid When Choosing A College | The Princeton Review

from the Princeton Review hi Rob hey good to be back what should we look for in deciding which schools to apply to one and we say this is prinster of you again and again it’s all about finding fit and that fit has to be a great academic fit a campus culture fit of financial aid fit a career services fit if basically an environment that you’re gonna be happy and academically as well as outside the classroom you actually have a list of five mistakes that we shouldn’t make and choosing a school what’s the first mistake number one and this might never happen for folks that were broadcasting to here but we’ve seen this happen for many of the students that are going through our queue number one the biggest mistake applying to a school because my boyfriend or girlfriend goes to that school there’s the old saying birds of a feather flock together but you advised that would be a mistake yes the second biggest mistake is that idea of a feeder school from your high school because all of your friends are going from your high school to a particular college or lots and lots of other students from your school or going to a particular college remember same thing with your boyfriend or girlfriend this has to be a fit for you not for somebody else that you like or that you go to school with remember that idea of fit is a very personal exchange and it’s very personal finding that connection between you and a college or university that are gonna be happy what about name recognition aren’t the best known schools also the best schools it is a question that comes up again and again but here’s the thing that we tell our students just because they’re great name recognition or a brand perception of a particular school doesn’t mean that school is gonna be a great environment for you academically or otherwise and even more importantly than that it doesn’t guarantee you a successful future the stuff that you all are doing right now which is in the trenches and doing your research on colleges visiting schools asking those questions around fit or exactly what you should be doing to avoid those common mistakes of saying just because the school has a good brand means I’m gonna be a great fit there what’s the fourth mistake students might make the fourth mistake is applying to a school only because it’s easy ticket into now remember that when we say at the Princeton Review that there’s probably a correct number of applications that you should be submitting in the next year or years and then for us is probably nine three of those schools should be reach schools three schools match schools and three school safety schools and just to give some definition those reach schools should be schools that your academics are just a little bit below what they’re reporting as their average same format schools you’re right in the middle. you’re perfectly matched with them academically and for safety schools you’re a bit above the average of what they’re reporting out for those schools. my point when thinking about that fourth biggest mistake but plying with schools only because it’s easy to get into you should be smart about the spectrum of schools that you’re applying to never apply to you know nine out of the ten schools that you’re applying to that would be those easy schools to get into some of us take the opposite approach and apply to a school simply because it’s not easy to get into but that’s your fifth mistake isn’t it it is the fifth mistake you’re applying was school simply because it’s hard to get into in the same logic applies with easy schools you want to make sure that you have that great cross-section of different applications nine being a good working number of that three matched three reach and three safety schools. that same logic applies for hardest schools to get into just to understand that there are again twenty six hundred schools out there and those are four-year colleges in the US alone lots more if we’re thinking of going that Community College route as well folks there’s no excuse that those nine or ten or eleven schools that were going to be applying to in the next year and years years should not be great fits for us academically campus culture financial aid career services all of the parts of fit they’re out there and you’re in the process of researching them. you can find them got it thanks for talking with us Rob good to be here thanks again even if you follow

Medical School Personal Statement Examples: How To Write A Good Medical School Personal Statement.

(instrumental music) – Good afternoon everyone, how are you?. today we are gonna talk about medical school personal statements which is sort of what all of you if you’re applying to

medical school this year should be working on currently. I realized that everyone’s

sort of busy this time of year especially if you’re a junior

or a senior in college. You have finals and you

have the end of the year and you’re thinking

about your summer plans. And. sometimes it’s very very difficult to really sort of jump right in and start your personal statement. But as we, sort of our mantra at MedEdits is early early early is

really really important.. if you’re not working on

your personal statement yet, you should be. And if you are already working

on your personal statement, bravo, because you’re right on time and that will sort of

put you in a position to submit your application

to medical school as early as possible. At this point, all of the three major application systems are open.. AMCAS which is the allopathic medical school

application service is open. You can’t yet submit that

application but it’s open and ready for you to work on. The AACOMAS is open which is the osteopathic medical

school application service. And as soon as that one

opens you can submit it. And then TMDSAS which is the

Texas application service is also opening and that one as well, you’re ready to submit

that as soon as possible. These three application systems require slightly, very slightly

different approach for each. The AMCAS system is a 5300-character with spaces character limit. The TMDSAS is a

5000-character space limit.. for those two personal statements there can be a tremendous

amount of overlap. Most students in fact write one statement for both of those systems

and they just keep it to 5000 characters with spaces. Now the AACOMAS application system allows a personal statement that’s a bit shorter, 4,300 characters with spaces. And those 1000 characters actually can be, it can make quite a dent in terms of the overall amount of

space that you have to write. The other thing that we

encourage students to do is for AACOMAS to really emphasize why you are specifically

interested in osteopathic medicine. And. therefore we

don’t advocate recycling the personal statement that you might use for AMCAS, MTMDSAS for AACOMAS. There might be pieces

of it that you might use for AACOMAS but overall,

we recommend that students sort of start fresh. Even though most AACOMAS medical schools will send you a secondary

essay specifically asking why are you interested

in osteopathic medicine, we like for those ideas

to also come through in the personal statement,

not to dominate the statement but certainly to be communicated

in the personal statement.. the biggest question we get

is my gosh, how do I start? What do I write about? What do they want to know about me? How do I stand out?

And how can I write something that they’ve never read before? And what I tell my students

is, it’s really highly unusual that a student can write something that a seasoned admissions

officer has never read in his or her lifetime. And that’s perfectly okay because the goal of the personal statement

is to convey, number one, who you are as a human being? What are you about? What are your values and

your characteristics? Where did you come from? What’s important to you as a person? The medical school admission

officers want to know not only about your

commitment to medicine, to community service,

to research, to teaching but they also kind of want to

understand who are you, right? Some people say well, I don’t

have a really unusual story. I didn’t sort of move mountains, I didn’t have any tremendous

hardships growing up to write about and that’s completely okay. Medical school classes as everybody knows, it’s all about attracting

a diverse class, right?. no medical school wants 25 of sort of the same type of applicant

with the same experiences and the same background. This is about attracting applicants who have very diverse backgrounds,

very diverse interests and very diverse experiences.. your job in writing your

personal statement is to try to convey who are you as a person, why are you interested in medicine, what have you done to pursue

that interest in medicine and maybe highlight other

things that might not be directly applicable to medicine but are somehow tangentially related.. if you’re really interested

in community service, if you’ve really done something,

some things that are great in community service, totally

unrelated to medicine. Medicine is by all means a profession that involves service to your community.. it’s related. Do you have tremendous

teaching experience, public health experience, anything? What is it that sort of sets you apart? All students even if

they’re juniors in college have done something that required time, that required effort, that required your commitment. And that’s really what they want to see. They wanna understand that you

are a committed enthusiastic and motivated person who

is going to number one, be able to handle the

rigors of medical school and residency training

and a medical career. But someone who’s also

gonna be contributing in a meaningful way within

all of those sectors of your education and your career.. this isn’t about trying to stand out, it’s about communicating and

conveying in a passionate and sort of insightful

way, what you’ve done, what you’ve learned from those experiences and why they are important to you, okay? We can’t talk about a personal statement without talking about

activities entries as well. There will be overlap between the topics that you will write about

in your personal statement and your activities entries,

that’s perfectly okay. With AMCAS when you select your three most meaningful activities entries, there might be overlap

between those topics and the topics that you also write about in your personal statement

simply because most people in their young 20s, late

to mid-20s, late 20s, you don’t have 25 significantly

most meaningful things, and. it’s okay if there’s topic overlap between those most meaningful entries and what you also write about

in your personal statement. People often ask me well,

what should my theme be? And in our experience, very

very rarely can a student sort of come up with a theme that sort of doesn’t seem forced and that allows the students to sort of communicate effectively all

of those different elements of what a personal statement should have.. I would say that maybe

once every couple of years, I have a student who really has a theme that really hangs together. But most people at this

stage of their education, the last statement that

they wrote was for college. And I can tell you having read

college admissions essays, just sort of on the side

’cause I’m curious about it, the emphasis of those statements

and the topic selection for those statements is

so completely different than what a medical school

personal statement is. When you’re applying to medical school, you’re applying to professional school. This is a profession.. it’s really a new

phase of your education,. kind of forget what you learned in terms of what should be included in your college personal statement. This is a totally different ballgame and this should be in our feeling and based on sort of the

success that we’ve had with our students, we feel that

a broad personal statement, of the personal statement, it’s to convince your

reviewer that they want to actually meet you.. and I emphasize it’s

important to write about what happens inside and

outside the classroom because many students sort of forget about what happened in the classroom and that’s really important, right? Because the majority

of your time and energy was spent on your academics and your intellectual pursuits in college.. don’t forget to sort of

mention those things as well somewhere within your application. Kind of what happened during

all of that class time, and what interested you

as an undergraduate. Again it doesn’t have to be

related to medicine, right? Admissions officers want

interesting diverse people who are personable and who know

about the world around them.. don’t think that if you’re, if some of your greatest

intellectual pursuits in college, if it was it wasn’t chemistry or biology that you’re at a loss, you’re not. In fact that can be

very very distinguishing in the application process.. think open-mindedly and think broadly in terms of the topics

that you want to include in your personal statement,

again kind of getting across this picture of who are

you in 5300 characters with spaces or less and

that’s not an easy feat, okay?. the key is to write

concisely and this is something we’re always encouraging

our students to do. Don’t go on and on and

on about any one subject.. get your ideas across clearly and concisely and efficiently. And certainly that is

possible, even though if you haven’t started or

even if you’re starting and you’re just looking at this, this page of ideas that you may have, it seems like the impossible

but it’s not the impossible. It’s definitely attainable.. what I encourage

applicants to do is really to sort of brainstorm. Write down what were my

most important achievements? What were my most important life cycle kind of events in my life starting with with childhood

and then sort of cherry-pick those experiences that were

really the most crucial to you as a person, and the

most sort of captivating perhaps to an admissions officer. And you can take a chronological approach by writing about those

experiences or you can, you don’t have to do that. And that again to some degree

depends on your comfort level, it also depends on what

those experiences were and how well they hang together. And it also depends on

your talent as a writer kind of in which direction you

take your personal statement.. with that I think we

should kind of open this up for questions because it

always seems that our audiences have lots of questions and we like to try to answer those as much as we can. – [Man] Okay,. the first question is, how important is it to submit your personal statement in June? -. the question is how

important is it to submit your personal statement in June? And when we talk about submit

your personal statement, we’re talking about submitting the entire application itself, the personal statement just

being one part of that, of the entire application, it’s important. You don’t have to submit

at the opening bell but we ideally like our

students to submit sometime in the month of June, and why is that? You simply will have, you’re

more likely to get interviews if you submit early

because you are competing with fewer people. When you start submitting

in August, September, a lot of those interviews have already been extended number one and number two, the numbers are greater at that point.. the applicant pool is smaller

earlier on in the season. And realize admissions

officers are not robots, okay?. they need people power to

review applications, right?. at the beginning of the season, all of those admissions committee members are reviewing applications. Once interview season starts, they’re interviewing applicants and they’re also reviewing

applications, and they’re also, they have all their

other responsibilities, clinical responsibilities and

research responsibilities, committee responsibilities,

whatever that is.. you just have to think,

it’s a function of where is the time and energy going, right?. the beginning of the season,

all the admissions people are just reviewing applications and then you’re sort of

competing for their time the later on in the season that you go.. you don’t have to

submit at the opening bell but we like people to

submit in the month of June, and we feel that anytime

within that month, we consider that early

based on our experience. – [Man] The next question is

would you recommend focusing on one important experience

such as only research or only clinical experience or should they use multiple examples? -. the question is,

do we encourage students to write about one primary experience in their personal statement or to write about multiple examples? And again for us this is

about breadth and depth, okay?. don’t write about things

that weren’t really important just to fill the space, to

think like oh my goodness, I need to also mention community service. let me mention this

community service activity that I did for one afternoon, right?. you want to write about the things that were important to you but ideally you should be writing

about multiple experiences. Because you want to sort of

really give a full picture of who you are as a person, right? Doctors are not just researchers, they are not just clinicians. You want to sort of give this, this idea that you’re a

well-rounded candidate who has perspective based

on multiple experiences. – [Man] Can I write about something that is not medically related? – Can I write about something

that’s not medically related? Absolutely you can. For some students, athletics, if you were varsity athlete in college or you were an art history major, you did art history research. For some students, the

activities that were the most important to them

in college in addition to obviously being pre-med had

nothing to do with medicine, and that’s perfectly okay. You don’t have to kind

of have been on this, sort of have this laser focus

where there was nothing else but medicine in your undergraduate years or even after your undergraduate years.. kind of bringing that

diversity to a medical school is actually favorable.. certainly you can write about things that aren’t directly related to medicine. – [Man] If I’m a reapplicant, can I use my old personal statement? – If I’m a reapplicant, can I

use my own personal statement? If you’re a reapplicant,

you need to analyze why am I a reapplicants? Why didn’t I get in last year? And generally speaking,

we would probably look at most reapplications essays

and say no, start over. Because they’re probably,

if you’re a reapplicant, maybe there was something that was missing or maybe there was something

that wasn’t communicated well in that personal statement. Realize the personal statement along with the rest of

your written application kind of becomes the ticket or the plea in a sense,

please offer me an interview.. that personal statement

has to be convincing to admissions officer.. if it wasn’t convincing

the first time around, it might not be convincing

the second time around. And plus you have a whole year

of experiences hopefully that and from which you’ve grown

and matured over the past year. And. you want to include those things in your new personal statement.. there might be pieces of this statement that you can sort of recycle

or kind of refresh in some way but you shouldn’t just

take the old statement and just use the entire

statement in its entirety. – [Man] Very good, if I’m applying to osteopathic medical school, how should my personal statement differ from (mumbles) versus MD? -. the question is how

should my personal statement for osteopathic medical

school applications differ from my allopathic

medical school applications? First of all, there’s a 1,000 character with spaces difference between

those two application system.. the osteopathic medical

school application system is 4,300 characters with spaces and the allopathic is 5300

characters with spaces.. that’s a fairly significant difference.. you probably, in our experience usually the osteopathic statement

is a bit more streamlined than the allopathic statement, right? ‘Cause you don’t have as much

time to sort of tell stories and to kind of go into details. And the osteopathic

statement it’s our feeling that there should be some mention of why osteopathic medicine, what is it about the approach to patients in osteopathic medicine and

why does that appeal to you?. we do feel that that

should also be addressed in the allopathic, sorry in

the osteopathic statement.. we encourage students to

write two distinct statements for those two application systems. – [Man] This next question has

to do with MD PhD applicant. What’s a good thing to

keep in mind in choosing a topic for each of these essays? And he goes on to say, I’m a bit concerned about overlap for the

primary essay since interest in medicine is strongly tied

to a particular research. -. the question is for MD-PhD

applicants in particular, how do you approach those essays? And for the MD-PhD applicants,

there are three essays. There’s the personal statement, there is the why MD-PhD

essay and then there is a research essay. The research essay speaks for itself, you need to write about your research and that should be a sophisticated essay that we recommend ideally that you have a principal investigator

or someone else in the lab, a grad student review that essay for you because it should be sophisticated. Something that a researcher

who might be interviewing you would understand,. it

shouldn’t sort of be an essay that is sort of written

for a layperson in a sense. The why MD-PhD and the

personal statement essays, there might be some

overlap there, absolutely. Because why you want to

be an MD-PhD also relates to why you want to go to medical school. And also for most applicants, you’ll be applying to some MD-PhD programs but you’ll also be applying

to some straight MD programs. There are some students

who decide to pursue a PhD once they’re already in medical school.. it’s perfectly fine if those two essays if there is overlap. There are many students who go

to allopathic medical school who still want to make research a significant part of their careers. A PhD is not absolutely

necessary to do that.. I encourage students to

sort of take those two essays and look at them individually

and not together, because they will be considered separately and they will be considered

sort of by different members of the committee.. a researcher might in particular look at the why MD-PhD in the research essay, whereas an admissions

officer for an MD school is gonna look only at

the personal statement.. you don’t want to shortchange yourself and sort of not emphasize why

research is important to you in your personal

statement and only include that information in the why MD-PhD essay.. it’s okay, just like

the personal statement and the most meaningful, it’s okay if there’s some overlap there. That’s perfectly fine. But the personal statement

should sort of be a more general statement,

but kind of mentioning a commitment to research within that essay is you should do that if

you’re applying to MD-PhD ’cause that’s part of, those

are part of your future goals and part of why probably

you’ve done what you’ve done as an undergraduate, a

postgraduate student. – [Man] Okay, you said

that the personal statement is about letting the admissions

committee know who you are. How do I write about my

experiences in such a way that highlights my qualities

and who I am as a person? -. the question is that you want, that I mentioned that you want

to let admissions committees know who you are and how do

you highlight your strengths and highlight your qualities

and characteristics. And that’s about writing about

your experiences in depth. What did you observe? What did you learn? Sort of really write about

it from the heart in a sense, in terms of your

observations, your insights, how those things maybe motivated you, how they impacted your next

experiences that you took on or how did that impact your future goals or maybe what you wanna

do in medical school.. it’s really hard to

kind of say specifically how to do that because with each student, we work on that very individually, right? ‘Cause everyone’s an individual in terms of what motivates them, in terms of how they observe things, how they express themselves, right? And. this is where the

individuality really comes in and there aren’t really

kind of formulaic ways to instruct you on how to do that. That’s a very individual thing. – [Man] Okay, if I’m

taking the MCAT in June, should I wait to submit my application till after I get my score? -. the question is if I’m

taking the MCAT in June, should I wait to send my

application after I get my score? If you’re taking your MCAT in June, you’re probably not getting

your score until July. And it really would depend

on what your score is. If your score is a 509,

applying in July might not be the smartest thing. If your score is a 520 then

you’re probably completely fine. Of course also considering

what are your academics like, who your letters of reference writers, what are your experiences,. all of this needs to

be considered together. Are you definitely applying no matter what that MCAT score is? When students tell us, I don’t

care what I get on my MCAT, I know I’m a good test taker, I’ve been doing all my practice test, I’m applying no matter what the score is then the answer becomes

well then submit in June. But if whether or not

you apply is dependent on that score, then no. Then you should probably wait. Of course, you can always

submit an application and then if the MCAT

is really disappointing you can withdraw because at that point, you probably wouldn’t have even completed most of your secondary essays,

many of your secondary essays and you certainly wouldn’t

have had any interviews.. that’s always an option as well. – [Man] Can you talk a little

bit more about the overlap between the personal statement

and activity entries? -. someone asked about

can I talk about the overlap between the personal statement

and the activities entries?. for AMCASS in particular, you have an opportunity to

write about up to 15 activities. Most students don’t have 15 activities. it’s totally fine if

you don’t have that many. And of those up to 15 activities,

you should select three that are considered your

most meaningful, okay? And for those in addition

to the 700 character with spaces description, you write a most meaningful explanation which is up to 1325

characters with spaces, okay? You will have overlap between the topic.. the most meaningful

experiences that you have had in your lifetime, there

will be some overlap with what those experiences

are and the topics that you’re going to write about

in your personal statement. We encourage applicants to write the personal statement first, figure out how those

experiences are fitting into the overall framework

of the statement, and what they will be

writing about with regards to those experiences within

the personal statement. Then write the application entries and the most meaningfuls, and

take a different approach. Write about a different

aspect of the experience.. that way, even though you’re writing about the same experiences

what you’re expressing about those experience is a bit different.. when they read your personal statement they’re learning something about you and then when they read

your application entries, they’re learning a little bit, something different about you even though it’s the same experience. And with our students,

there’s always overlap. Sometimes the students maybe will write about two of the three most

meaningful in their statements, sometimes depending on how

many experiences they’ve had, how old they are, how much

life experience they’ve had. They’re writing about all three in both of those two documents.. all three most

meaningfuls are also topics that are included in

the personal statement. And. it really depends on

what your life experiences are, how old you are. Are you a junior in college

or are you three years out of college?. that’s all something

that is sort of part of the discussion in terms

of what you highlight there. – [Man] I have nothing to write about. Do you have tips to get started? – I have nothing to write

about, how do I get started? Do your personal inventory,

and write about the milestones in your life and this is

something that I write about in my book, The MedEdit’s Guide

to Medical School Admission.. literally just start

from the beginning. Where were you born? What were the really crucial

things in your lifetime? Did your family have hardship? Did you switch schools and why?

Where did you go to college? Why did you make that decision? What has been your most, what were your most valuable

experiences in high school? How did those experiences

influence your college decision, influence your future goals? What were your major

experiences in college? Again how did those influence your choices and your future goals? And sort of just keep

going through this process until you kind of have distilled out and identified the most

significant aspects of your backgrounds? And then highlight those things

in the personal statement and then just start writing. Sometimes it looms. large over people because they think I have

nothing to write about and I want to stand out. And what I tell people is

if it’s that difficult, then you’re trying too hard, right? Because this is about writing your story and nobody can tell your story better than you can tell your story. And everyone has a story to

tell,. just start writing. – [Man. if I get my score in July and I don’t like my score,

can I retake the MCAT and continue with the application? – The question becomes if

you’re taking the MCAT, retaking the MCAT later than July, either because you’re disappointed with the score that you got or you’re taking a September MCAT, should you continue with the process? Should you apply in June? And our general advice

on that level is no, it probably is better to wait

to apply for the next cycle. Number one, if you do poorly on the MCAT, unless there was a real sort of event that happened that impacted

your score in a negative way, it’s unlikely that without

sort of really doing some real analysis that you will bump your score that significantly.. it’s better to sort of

kind of really evaluate what did I do wrong, what

do I have to do differently and to really sort of restudy and refocus and make sure that second

MCAT is where it needs to be. Students who rush the retake

generally don’t bump scores.. we discourage students

from taking a September MCAT or quickly retaking an

MCAT after an initial test.. basically if you’re

taking MCAT later than June, again unless you’re a

phenomenal phenomenal applicant who is gonna score incredibly

well on their MCAT regardless, generally speaking it’s better to wait till the next application cycle

to guarantee your success. – [Man] Is it okay to start

working on my secondary essays in June before I hear from schools? – Is it okay to start working

my secondary essays in June before I hear from schools? The schools will start

sending you secondary, essays secondary

applications in late June. Every year secondary essay prompts change for some schools, not

all, not most but some and all the prompts are available online. And MedEdits will soon

be starting a database of those secondary essay prompts which will be publicly

available to everybody.. if you have the time, absolutely. Start your secondary essays,

look at last year’s prompts realizing that there

might be some surprises. With the exception of California schools and a few outliers outside of California, most medical schools will send

you secondary applications and secondary essays automatically.. there won’t be a question of will I get secondary

essay requests, you will. You’re gonna get a lot of them depending on how many

schools you apply to.. yes, if you have the time

and you have the energy, the secondary essays

can really be daunting for some students and overwhelming.. yes, start them early, absolutely. – [Man]. for schools

that are numbers focused, do they really read my personal statement? – For schools that are numbers focused, do they really read my personal statement? Schools will not tell

what their thresholds are to review an application, okay? But in our experience the

vast majority, if not all of medical schools have thresholds. Meaning that they won’t

review an application with numbers below a certain point, okay? Numbers meaning GPA, overall GPA, BCPM biochem physics

math GPA, MCAT scores. Some schools have formulas that they use to give a certain degree

of weight to the MCAT, a certain degree of

weight to the BCPM GPA, the overall GPA and then they weighed it and then they decide who they’re

actually going to review.. certainly there are

some medical schools that will not review your application if you don’t meet their

minimum thresholds. Meaning that they won’t even

read your personal statement. And this is why we say to applicants who maybe don’t have great numbers, they say but I have these

amazing experiences, I’m a really good person, I want to be a doctor

for the right reasons and we say we get that

and we appreciate that, but the school won’t even

read your application if you’re sort of below

their absolute minimums. And that’s just the reality of the process and it’s tough to really

find out that information is not really publicly available. – [Man] What’s the latest

I can apply in this cycle? – What’s the latest I

can apply in the cycle? – I need to look, all the

schools have different deadlines that are generally in the

fall,. that’s the latest. But we discourage applicants from looking at those deadlines seriously which is why we don’t have them memorized.. we certainly work with

applicants who are successful who get into US allopathic medical schools which are the most

competitive group obviously. We work with applicants

successfully who apply in July, even early August but they

also are very very quick to complete their secondaries. They do well in interviews,

they have good numbers, they have good experiences.. it really depends on

who you are as an applicant in terms of when you

should be applying to. Can you risk an August application? Most students can’t,. it really depends. – [Man] And this is

the same question again Do I have to… The person’s friends told

them hey have to submit early? Do you have to submit early? – Again the question, everyone’s been told I have to submit early. Ideally yes, you need to submit early but not everybody has to.

This is a very very individual thing. Some students will call us in

mid-July and say oh my gosh, I was. busy, I was doing

my research in Africa. I didn’t submit my application

and they have publications, and they have over-the-top

grades and it’s like, okay, you’re okay, you can submit now and you’ll be alright.. again, this is a very

personalized sort of recommendation but the general rule of thumb that we tell all of our students is yes, apply in June. And plus it alleviate

stress which is huge. I mean our students who

apply in early June, who’ve done everything, they

already have their MCAT, they already have everything done and then they do their

secondary essays quickly. They’re getting interview

invitations in August and they’re going on interviews in October and they have their first acceptances. They’re going on interview,

sorry in like September, they have their first

acceptances by October.. just in terms of (audio cuts out). It behooves you to apply early because it makes a world of

difference when you’re walking into interviews later on

in the application cycle and you already have an acceptance. It just totally changes the

way you present yourself.. it makes life much less

stressful when you apply early. – [Man] Okay, I’ve been told

that I can’t write about things that happen before college, is that true? – I’ve been told I

can’t write about things that have happened before

college, is that true? And we get this question a lot. It depends on what it is, right? You want to focus mostly on

your more recent experiences. However, for many students, some things that happens before college were really significant in

terms of influencing their path.. depending on your upbringing, you might want to say

something about that. If there was something

really really crucial that happened in high

school that sort of impacted your choices of where to go to college, whether to pursue a

degree in medicine or not, there can be mention of that, absolutely. It gives dimension to your candidacy and it gives the reviewer sort

of some idea of who you are, where you’re from, what

was your home life like, what was your community like growing up and all of that is great information.. you don’t wanna write

an entire statement on something that happens before college. Of course it’s okay to

mention really critical things that happens before college. And most of our students do even though that doesn’t dominate the essay. Again this is about

cherry-picking the things that sort of will distinguish you and then sort of paint the

clearest picture of who you are. – [Man] What is the minimum

GPA threshold more or less? – More or less the minimum GPA threshold to get into medical school, we

like to think of it as a 3.5. However, we’ve had students

who get in with a 3.4, even a 3.3 and again this

is about the combination of MCAT and GPA. This is about trends. Many students start their

college careers don’t do well. They’re distracted, they

don’t have the study skills ’cause maybe they didn’t go

to an amazing high school. And. the freshman GPAs are terrible. They go to a school which

is notoriously stingy in terms of giving out high grades.. it depends on your trend,

and it depends on your MCAT and it depends on your

overall story and who you are. The general ballpark number

that people say is 3.5 but there are obviously

variations to that. – [Man]. I come from

a difficult background and I’m struggling to identify how candid my personal statement should be. While the trauma and adversity I’ve faced has made me the person

I am, and is a testament to my ability to thrive

in medical school… The question was cut off here. – I get it. The question is if you come

from a difficult background, if you’ve had difficulties in your life and traumas in your life, how much of that do you write about? And really it depends on

what those traumas are, depends on how comfortable

you are writing about them and talking about them. We certainly work with

students who have had all different kinds of

disabilities, not disabilities, disabilities as well but difficulties. Whether that be financial, whether that be some sort of

traumatic event that happened where they had to go through

a very difficult time and generally speaking

we encourage applicants to write about those things because again, they were crucial in your development. There are some deal-breakers. If there was any sort

of major mental illness, not depression, but any

kind of major mental illness we sort of discourage people

from writing about that.. there are some things

that we discourage but overcoming hardships,

persevering through difficulties, all of that is really

important and speaks well of the student often times.. we have had some applicants assuming that they are comfortable

discussing it, right? ‘Cause anything you write

about is open for discussion in an interview, but

assuming they’re comfortable writing about something

and discussing something, we encourage that. And in fact we had one applicant who wrote about something

incredibly traumatic that had happened and it was

brought up on an interview. And this applicant started

crying during the interview. And it was an extremely

competitive medical school and that person got in.. we’re all human. having been through a difficult experience and

again getting through it and understanding maybe that

makes you more compassionate and understanding of others. Sort of think about

what the byproducts are of that experience and

that’s kind of what we try to sort of identify. – [Man] Okay, next question. Does being an RN help

or weaken your chances of getting into medical school? – Does being an RN helped

or hurt your chances of getting into medical school? It depends. (laughs) I realize that’s a common answer. It certainly can help. I mean we’ve worked with

PAs, we’ve worked with RNs. Understanding medicine

from really the inside, I mean that’s a tremendous benefit. It doesn’t help in terms of the fact that you have more experience or

you’re gonna be a better doctor because obviously you

understand more about medicine than many of your peers. But it helps because

you understand the field and that has motivated you

then to become a physician.. it certainly can

help, without question. – [Man] Alright, does

reapplying lessen your chances? – Does reapplying lessen your chances? I wouldn’t say it lessens

your chances per se. Reapplicants certainly

there’s a lower percentage of reapplicants who are

accepted to medical school but that simply is

because many reapplicants just aren’t qualified and

they just try to reapply without sort of figuring

out well why didn’t I get in the first time and what

do I need to do to improve and sort of working on that. But many many students

their first time around are not successful. And there’s many many reasons

why they’re not successful and the key is to identify

why wasn’t I successful and to improve upon

whatever that reason was and then submit a better reapplication. We work with many reapplicants every year who get in successfully. It’s an issue of analyzing

the previous application cycle and improving upon whatever

the deficiencies were. – [Man] Okay, is it true

you should never write about your own experience in healthcare? – Is it true you should never write about your own experience in healthcare? No, that’s not true and

for many many students and I’m assuming this is someone who’s had some type of illness,

experience as a patient, being a patient is one

of the best ways to learn about what it means to be a doctor, what do patients need,

what is it like to be on the other side of the table? And you don’t want to be ever

negative about the profession or about your doctor who

maybe you didn’t like or you didn’t think

was the best treatment. But understanding what

it means to be a patient and what a patient need

can be very very powerful in a statement.. again, at MedEdits, we don’t

like to sort of take these, you never do this or you never

do that kind of approaches for the vast majority of things because every student is different and every student’s path is different.. it really depends on the students. – [Man] Okay,. just explain to everybody there’s a lot of questions. We’re gonna get to them one at a time. This student asks, I’m a rising senior who just started my pre-med

sequence in my junior year. I’m contemplating organic chemistry one, one and two over this summer

in time to apply for June 2018 and take the MCAT in May 2018. How does organic chemistry

over the summer look taking? -. the question is

someone who is a junior who started pre-med studies late wants to take organic chemistry over the summer. Wanted to take the MCAT

during the senior year, apply in June and that’s a fine plan. As long as everything else is there. Your research or your volunteer

activities, your teaching. As long as everything else is there, taking organic assuming

you’re at a challenging for your undergraduate college is not in and of itself a bad thing. Many students take a

prerequisite over the summer, that’s totally fine. – [Man] Is writing about your GPA not great on your personal– – Is writing about your GPA not great in your personal statement? It depends, it depends on

how not great is your GPA. Did your GPA improve? Was there some sort of

experience that happened in your sophomore year of college that was. life-changing

or traumatic for you that it really negatively enhanced or negatively not enhanced,

negatively impacted your GPA.. that really is an

individual sort of question, depends on the overall picture, depends on how low the GPA is, where the GPA went from there. That’s a tough one to answer definitively. – [Man]. despite my previous interest something that happened about a month ago really invigorated my desire

to go to medical school. Is writing about this one

experience given the proximity in my timeline, something

that could work against me especially when I’m

going up against people with potentially lifelong

desires to be a doctor? -. no interest in medicine before the– – [Man]. this student had

an interest in medicine. Something that happened recently– -. the question is someone

who had an interest in medicine but something very pivotal happened within the past month or. that sort of really confirmed that interest

and sort of reinvigorated. to speak using the

language of the student, absolutely right about it. Because this is about

what are your motivations? It doesn’t mean you had no

interest in medicine, right? You’re telling me that you

had an interest in medicine as an undergraduate and this experience however really sort of solidified

that and confirmed that. And. that certainly should

be mentioned without question. That wouldn’t hurt you at all. But that’s assuming that the

interest was already there and that there’s evidence

for that interest that was already there as well. – [Man] Okay, am I selling myself short if I don’t take the MCAT until September? – Am I selling myself

short if I don’t take the MCAT until September? Absolutely yes. We do not advise applying– – [Man] Even though the

deadlines are in November. – We do not advise applying in

the current application cycle if you’re taking the MCAT in the fall. It’s just too late. – [Man] Yeah,. we’re running

a little short on time. More or less how long will it take to write a well-written personal statement if I’m still studying for a MCAT and don’t have much time to do both. – Okay,. the question is, how long will it take to write

a great personal statement if I’m studying for a MCAT and

I don’t have a lot of time? The MCAT is priority.. you focus on the MCAT

especially if it’s your first MCAT. In the ideal world, we like

students to take the MCAT once and do well, and as soon

as that MCAT is over you start working on your statement. Good writing takes time. We prefer that people

start working with us or working on their statements

in January, February, March. But we understand

students are insanely busy and honestly the vast majority don’t start their personal statements, their

application entry write-ups until May and June and

that’s just the reality.. it’s an issue of sort of being focused, really writing it, not

questioning yourself too much, not sending it to 25 different people and trying to incorporate

all of their suggestions and second-guessing yourself.. if you’re gonna write your

statement somewhat quickly, you have to be decisive

and you have to sort of be very prudent in terms of from whom are you going to get opinions because everybody’s going to have one. But it certainly can be done. You can write a statement. I’d say two weeks is the

minimum, a good statement ’cause you wanna think about it and you wanna try to do edits. And kind of not rush

work sort of as always in our opinion typically substandard. – [Man] A few more questions.. with what MCAT score

should I consider retaking it? – With what MCAT score should

I consider retaking the MCAT? I’d say anything below, again

depends on your background. If you’re an underrepresented minority, if you’ve had tremendous

financial hardship, it puts you in a different

cohort of applicants. it depends on those two things as well. Assuming that you are in

either of those categories I would say that and again,

also depends on the GPA. If you have a 3.2 GPA

and a 509 in the MCAT, you’re going to have a tough time. If you have a 3.8 GPA from a competitive four-year university and you have a 509 on the MCAT, you’re gonna be okay probably.. I’d say ballpark is

anything below a 509 is probably something with

which you should consider retaking for allopathic

US medical schools, not for osteopathic. But again it depends on the full picture. It depends on the GPA,

depends on the experiences, depends on do you only have

your undergraduate grades, how many years of undergraduate grades, what was your trend, all

of those kinds of things. We look at these things in

terms of the big picture to make those decisions. – [Man] When is the

latest I can take the MCAT and apply this cycle? – When is the latest I can take the MCAT and apply this cycle? And again I sound like a broken record but it largely depends on your background, your grades, your experiences in terms of making that decision. If you’re an excellent

applicant and someone who’s probably getting in, I’d say July. If you’re sort of more

of a borderline applicant and maybe doesn’t have

sort of that threshold GPA and maybe the experiences

that we like to see, I’d say May. But then for some we’d say June is okay,. again it really

depends on the applicant and kind of the overall profile. – [Man] I’m actually a freshman going into my sophomore year this fall. Do you have any tips for me to

get ahead of the application and personal statement process? -. the question is a freshman

who’s rising sophomore, what can they do to get ahead

of the personal statement and application process and it’s terrific you’re thinking about this.. you’re gonna do really well. (laughs) I’d say keep a diary, keep a journal, write about your

experiences as you go along. It’s a great question. And sort of write about your observations, what are your insights and that way not only can you sort of go back to that to try to sort of pull out the things that were really significant to you but you can also kind of watch your own maturation and growth. And that sort of is typically what leads to a really amazing personal statement when you can sort of in a

sense document that evolution.. it’s great to start

thinking about this now.. yeah, everything that you do, whatever you’re doing this summer, whatever you’re doing

during the school year both in terms of your academics as well as in terms of your extracurricular

pursuits, write about them. And that way when you start

writing about your experiences for your personal statement

and your application entries, you’ve already thought about it, right?. you already sort of know

what’s important to you and you kind of have an idea of what you’re probably going

to be highlighting where. That’s a great question. – [Man] Last question. I have a lot of research experience but no clinical experience, is that okay? – Question is I have a

lot of research experience but no clinical experience, is that okay? First of all let’s define

what clinical experience is in someone who doesn’t

have a medical degree. Typically that involves shadowing. It involves volunteering in a free clinic, it can involve EMT work. For people who are taking

a gap or year or two, it can involve scribing,

becoming a medical assistant. Assuming the research is lab research if it’s not clinical research where you’re interviewing patients and you’re involved in the

hospital which can sort of, those types of experiences, the clinical research

experiences can sort of bridge both of those things.. that involves clinical

experience and research but assuming it’s bench research you have to get some clinical exposure. You’re going to be asked

on your interviews, how do you know you want to be a doctor? And if you’ve never been

in a clinical setting and you’ve never observed

whether as a volunteer, as a shadow, it’s not going

to be convincing to people.. we have students who come to us with phenomenal research backgrounds but they have zero clinical exposure and they don’t do. well in the process. Some of them get in depending

on kind of what else there is in terms of their metrics,

their grades and their GPA but it’s very tough to convince someone you want to be a doctor if

you’ve had no clinical exposure. – [Man] Okay,. we’re

gonna call it quits there and I apologize ’cause there

are a few more questions but we’re out of time. – Okay,. we are out of time but I thank you all for your

attention and for tuning in, and I wish everybody luck. The key is to stay

organized and to stay calm and to sort of work on all

of these things methodically because this is sort of crunch

time for a lot of students. And it will all get done.. just sort of make a

list, make a schedule and it will all get finished, okay? The application year is

a really exciting year. Sometimes very stressful

but very very exciting.. good luck to everybody. (instrumental music)

Common App Essay Prompts (Ace Your Application!!!)

Prompt One for the Common Application is basically the Culture/Identity Essay. Which I love, I can’t lie. But you want to stay away from the basic "Who am I?" Biography essay. Stay tuned for tips on how to add nuance and depth that will impress the admission officers. Thank you for joining me on my channel. For the best college essay advice, subscribe, and hit the bell to be notified when I post a new video every Tuesday. This college essay encourages students to take stock in their life and who they are socially and academically, intellectually, personally. However, beware of that cliché, "My family is crazy, but I love them anyways," type idea. By the end of this video, you’ll have two key types, with examples to how to make this work.

Hi, I’m Dr. Josie with Write Your Acceptance. As a college essay expert and university faculty member, I know how to make them remember you, and root for you. Now, it’s your turn. Very popular scenes in this essay are: family dinners, holiday parties, cultural traditions, funny sayings. They’re great, because they add a bunch of voices and different characters into the narrative. It’s not only you, in a vacuum, speaking directly to the admission officers. It’s almost as if they have more to root for, because you’re bringing … It’s like a family affair.

You’re bringing a lot more people to the mix. Tip Number One: Open up the topic. Consider that this essay doesn’t have to be only about who you are culturally, or your heritage. It could be something that you were teased about all your life, or your ultra-competitive streak, or your role as a soccer player, or how even you love ’80s movies. They could be random aspects, dimensions of "Culture," with a capital-C, that you can show your relationship with. Tip Two: Once you’ve expanded the idea of culture, now pick a topic or a theme that works for you. You can either do how you love ’80s movies, super-random. Or your relationship to Colombian-American Spanglish, let’s say, and how you think in Spanish and speak in English. That idea of culture as practiced and lived. Are you stuck trying to figure out how to think through the theme or topic of your essay?

Comment below, and we’ll start figuring it out together. Okay. Here are two examples. Number One: The ’80s movies. Let’s say I start with a key scene from Ferris Bueller’s Day Out, or whatever random ’80s movies you want to pick. Then you talk about how you value this ode to a slower-paced lifestyle. Nobody was glued to their phones. There’s the HEA, although there’s some adventure, there’s always a happily-ever-after, happy ending-type idea. A resolution. That you value that.

You’ll open with an anecdote of the movie, and then philosophize why its important to you. Then you’ll bring in a memory, a story, an anecdote from your life, and how you’ve brought in those lessons into 2019. Now that you’re working and emulating within values that you find important, you are bringing the ’80s to you today.

It’s not necessarily like a nostalgia thing. It’s more like shaping your character and values in today’s world. Boom. Example Numero Dos: Let’s say we’re doing the Colombian-American Spanglish. This could be any multi-cultural blend, any language, really. But we would start with a phrase or two phrases, and maybe you contextually translate that. Maybe its an anecdote where you’re talking to a grandparent. Someone that generationally has been a major player in you inheriting this culture and this language. You start with that. Then, you go into how you’ve learned that true fluency and communication is not about losing an accent, but about meeting someone and authentically connecting with them, and allowing the other person to be seen and heard on their own terms.

Ooh, that is pretty. All of a sudden, you’re talking about way more than just how you code-switch in languages. You’re talking about communication. You’re talking about empathy, compassion. You’re philosophizing what communication means to you, and that is nice, nice, nice. This essay is part learn something/teach something, part quirky. If you want to learn more, I have a college essay guide for free to download in the description below.

It’ll advise you on where you should put what information to maximize engagement. If you found this video useful, please comment, boom, below. Give us a like. Subscribe and share with your fellow college-bound friends. We’ll see you soon. Thank you. much.

Bye!

Mike Cernovich Podcast | Episode #002 | Personal Finance For Men

hey welcome back to the danger pay danger and play podcast this is a podcast number two and today we’re gonna be talking about personal finance for men we have a lot of great questions submitted by readers thank you for those today I have my friend Jay in the studio and we’re gonna get his take on personal finance for men as well as mine some of our ideas are the same some are different I’ve known Jay for a long time and I’ve watched him go from a guy who just had a regular wage-slave job to a guy who hit a million dollars net worth by the time was 32 a guy who lost a bunch of that in some unusual circumstances to guide his back on his feet now. he can talk about him his personal life as much as he wants to or as little as he wants to but he is somebody who has been there and done that. what he says has credibility with that I’m going to turn the mic over to him hey welcome back everybody Mike thanks for having me on the show yeah danger and play folks as Mike said I’ve kind of run the gamut I’ve been at the top of the mountain at 30 31 years old with like a net worth of over two million dollars down to where I was when I was about 40 which was a basically flat broke moved out of a 4,000 square-foot house and downsized into a 420 foot studio apartment in Sherman Oaks California. I definitely can say to Mike and to the listening audience and I have been at the top of the mountain and at the lowest point of the ocean yep that’s how life is man one minute you’re out one minute you’re down and you know maybe one time we’ll talk about how he had that run up and run down because that in itself is a good story but it’s a long story. right now we’ll take a few questions and then if you guys like it you have more questions maybe we’ll do a sequel to this maybe we’ll talk about how how I made my money and maybe we’ll talk about how he made and then lost it and then made and lost it and then how he’s making it again. let’s take a question which i think is a pretty good one’s a little bit broad it’s a little bit philosophical but well we’ll see how we can handle it and that is can you tell me about the mindset you need to be self-employed I know in my situation it’s hard to walk away from the wages of a professional job what do you think. that’s a great question. for from my perspective you know I was a wage slave when I graduated I’m not graduating from college but about two years after graduating college I became a wage slave and I was actually fully full on a wage slave until I was 41 years old. about 21 – almost 20 years as being a wage slave it’s not easy to walk away from a professional job you know especially if you have a four-year degree or even an MBA or you know even a paraprofessional beyond that you know where you have the comfort ability of somebody paying you a six-figure income you know plus a bonus a yearly bonus plus obviously the benefits that it entails but I can tell you that once you have the mindset to walk away from being a w-2 wage slave job your life completely changes and you know Mike’s written about on the blog before you know the most important thing about being successful in life is having freedom the freedom to do this the freedom to not wake up early in the morning the freedom to not have to get into some dumbass commute you know back and forth in the morning at night because you have to work as a wage slave I mean once you have freedom you have everything I don’t really care it doesn’t really come down to how much money you make I mean obviously you want to have the finer things in life and you do need you know a certain level of money to have those things but beyond that you know and a lot of you guys are younger some of the younger listeners in your 20s you know you think I’m crazy when you say all I want to get paid you know I want to be a bull or a public law trust me I’ve been a baller I’ve been that guy in the club with a ten thousand dollar table you know in the corner with all the girls coming up all the bottle rides blah blah blah I’ve been that guy and I can tell you that you will get to a phase at a point in your life where it doesn’t matter the money doesn’t matter because as Mike said money comes and goes what matters is freedom and when you have ultimate freedom the ability to not be a w-2 wage slave I mean you would never once you make it and have freedom outside of being a wage slave you’ll never go back yeah I agree with what he said and for me too it’s of mine said if I want to write things off you know like I have a I have a fucking cool car you know well that’s a tax deduction if I Drive somewhere that’s a fifty-two cent per mile deduction I write off part of my rent if you’re self-employed when you buy a new computer that’s the write-off when you’re you know your cell phone can be a write-off. if your wage slave you still have to have a car and you’re not gonna get any tax advantages for having that car. what he said is true and also the tax advantages to me are what really sell the self-employed lifestyle yeah just to add to that the really crazy thing that you don’t realize about being self-employed and not working as a wage slave anymore is that when you do do your taxes let’s say you have a very successful year and I’ve been blessed and fortunate that the last two years I’ve been I’ve done very well working in the sales capacity that I work in and it’s funny because when you meet with your accountant when you’re doing well enough that you have to have you know obviously a professional accountants advice and stuff like that it’s. amazing to see how much as Mike just said you can actually write off I mean you know you can gross X and and and and basically pay taxes like you made 80 grand okay I mean when I say X I’m talking you know a seven-figure income you know or seven-figure gross. it’s like it’s crazy to understand that let’s I guess the May easiest for you wage slaves right now let’s say you make 200 grand right let’s say you’re 29 year old guy and you’re a VP for your company and you’re making 200 grand and that includes your salary and your bonus well guess what motherfucking IRS is taking probably $100,000 if not more if you live in New York City you live in LA you live in Miami you live in a big coastal population center you’re getting fucked not only you’re getting fucked by the feds you’re getting fucked by the state right. that money that you don’t see because they take it out of every fuckin check guess what buddy you’ve got that money when you’re not a w-2 wage slave that money is literally coming to you and you have to be responsible enough to pay taxes on it put some aside and do what you want with it but as Mike said I mean you can deduct. much stuff that but you know by the time you have realized what you can and can’t deduct you sit there and you scratch your head and saying holy fuck how could I have been a wage slave this long not knowing these things right people want to talk about how much they want to make but it isn’t how much you make is how much you keep right and if you make a lot of money well great you have a higher salary but how much of that are actually keeping you can work less hard and actually have more money at the end of the day once it all washes out because it cuz after you have your deductions and everything else that you work not as hard and you make the same or more money once you figure out how to do it of course yeah the only thing to add to that is is like don’t think that once you not a wage slave that you know because you’re you know making more money have more deductions blah blah blah that you’re not working as hard because the disconnect is you will be working harder it’s just you have again the freedom to work when you want to work okay there’s no grind of waking up at 5 o’clock in the morning alarm goes off you hit snooze I mean that bullshit that’s gone from your life but you’re still gonna be working just as hard if not harder but again it comes down to the freedom of when to choose to work yeah yeah and that’s that’s a good point like I don’t it’s not work if you like what you’re doing it’s not work if you work for yourself like imagine you go into the office and they make you work another five hours you’re not getting paid more for those five hours but if you work for yourself every hour you work every dollar you make the company well you are the company. you’re not thinking oh god I got to go in and I gotta take my weekend off instead you’re thinking we’ll fuck dude how can I get more money into my pocket. you’re gonna make yourself rich instead of making someone else rich and when you’re doing that you actually feel inspired you feel motivated you you want to work. the the work is no longer a four-letter word exactly that’s another question okay question number two is going to be I’m not sure we’re gonna do ten specific things but well it lists a few assume an income of 40 to 80 K what are 10 specific things that 25 year old man can do to maximize his net worth at 35 well that’s a that’s a that’s a that’s a deep question you know maybe I’ll tackle three or four things and Mike will add three or four things I mean you know ten things I don’t know we don’t really have time but we do this impromptu but at 25 if you’re making 80 K as a wage slave you should definitely definitely definitely again depending on your job you should definitely and again depending on where you live you should you should you should you know have a rent factor or you know hopefully you’re in whether you own or rent doesn’t really matter but your your housing factor should probably be no more than a fourth to a fifth of your actual take-home income and if you can do that you know you’re gonna the money that you’re gonna save from what you don’t pay in taxes is going to be used for other life necessities you know which we can get into later and other stuff like that number two you should definitely have a slush fund you know I’m assuming that this is we’re making recommendations for a single person who’s not married he doesn’t have kids even doesn’t have a girlfriend or significant other or whatever but you should definitely be saving money at least in my opinion somewhere in the neighborhood you know as much as you can put away but at least four hundred to five hundred dollars a week and literally putting in a new slush fund I mean maybe you can’t afford that much maybe you can only do two two hundred two fifty but you want to have a slush fund number three obviously you have to be you have to be healthy you have to be putting money you know into some form of thickness you know that’s not really essential to your question or like you know what four things we can do to have maximize my net worth at 35 but if you’re not healthy by the time you’re 35 who fucking cares about your net worth. you definitely should be going to a gym you should be paying for a good gym membership some other stuff you want to add yeah um great stuff there I would add that the general principle you need to keep costs down and the way you keep costs down are you make your own meals you don’t go out you don’t eat you don’t wait for lunch and you learn to eat the same foods every day that we can make food and bulk. even me I you know I can eat whatever I want to eat but I’ve been eating chili and what I do is I take dried lentils and actually soak them overnight because you can buy a 10 pound bag of lentils at Costco for like fuck-all money and I soak them overnight and I put them in a crock pot with like a really lean roast and I have maybe three days worth of food that doesn’t cost me hardly anything. you shouldn’t be eating out you can’t afford to eat out even even if you can pay for it doesn’t mean can afford it and well that’s one way to keep your costs low yeah what he said about housing is perfect I’m have a roommate the arm or live in a studio yeah live beneath the house for four people yeah yeah I would totally live live if you can live at home and you get along with your parents live at home there’s no shame in living at home at 25 I would I would totally do it if I got along well with my parents and have the opportunity and you’re still gonna meet girls they don’t care by the time you bring them home to your place it isn’t gonna be a deal breaker um if you have a 401k match through your company then you have to do that because that’s essentially free money you should also stash away like he said as much as you can at least 10% 20% if you can and another thing that he would agree with is when you’re 25 you want to thank how am I gonna work for myself at 35 what’s my hustlers gonna be is there gonna be a blog is it is it gonna be a personal training business is it gonna be a consulting business I don’t know what it is but you need to start putting aside money for that right you need to have money set aside. that you can end up start working for yourself that way when you’re 35 you’re not going in and clocking in and a job for somebody else you’re actually working for yourself listen the most and for sure everything Mike says is 100% OnPoint you can’t leverage yourself okay at 25 it’s easy to get a credit card or two or a fucking best buy car or any of that bullshit cuz listen man I lived all those you know I went through you know when I was when I was 24 25 I had about $130,000 your job and I had a girlfriend that was technically my fiancee making another 75 grand as a teacher. we were no kids living in Southern California making $225,000 gia we had easy this is in the early to mid 90s and we started leveraging ourselves not not crazy but you know a little bit too much and I can definitely say now looking back that if I was 25 and the money that I was using to leverage myself which I never got out of control I wish I would have put that into cash. back to what Mike says is you want to have a cash flow when you can save and literally within a year have 25 or 30 grand you know again at 25 or 30 years old on an $80,000 your salary in cash you know you’re doing right you know that what you’re doing you’re living within your means you’re not outside your means right and and actually that point relates to the first point of the self-employed mindset if you’ve saved a bunch of cash well then you’re not walking away from a job you’re you have all this money saved away that you can live off of that is how they keep you as a slave let’s say you make 200 grand and you let paycheck to paycheck right well you to get them in better off if you die made 50 grand and actually saved your money. if you want to work for yourself you start saving money when you’re 25 and then when you’re 35 or 40 or 45 you have that money stashed away you have that security and then you can go on to something else the only thing we didn’t talk about you know Mike mentioned 401 K you know the stock market you know we could go there could be an entire blog of itself but you know as Mike says the bank’s want people to be in the markets the equity markets run the world or the reco maybe the world is run by the equity markets I don’t know but the reality is is that it’s a tough game aim to try to play the markets as Michael say him and I have talked about this for almost probably – almost 20 years is like if you’re gonna be smart in the equity markets you have the dollar cost average and you have to be an index money you can meet a couple index funds you know maybe they’re know Lou no-load mutual fund index bonds or whatever and you don’t pay any fees but at the end of the day you’re not going to beat the market you’re not gonna trick buck the market yeah I’ll give you an example like I’m in these 3d printing stocks and I’ve been in 3d printing stocks for the last two years you know before the 3d printing stocks it was fucking Apple and there was Yahoo and it was Google and all the other tech stocks back in the late 90s and early 2000 I made a fortune Mike knows my investment of $5,700 it turned into 130 grand over two year period okay and that was just my stock picking you know there’s no genius I just you know pick companies that I followed and then I liked and I figured had a future well now it’s with 3d printing and I have I own a stock called omnia on both are on both systems and they literally I’ve made like 80 grand in like a year on that’s not from like a four thousand dollar investment I haven’t even sold it because I just kind of like throw away money to me but the reality is is that you’re not going to pick stocks long term and win okay you will have ups and you have serious doubts and most people have way work more downs and have us. you know point is is like don’t think that you’re gonna get ahead in the stock market you know it’s good to have a stock market strategy a dollar cost averaging strategy but don’t go pick a bunch of individual stocks and put two grand in each one and close your eyes because you’re gonna lose money right right the way the way he did it he didn’t explicitly spell out but that’s what he does and that’s what I do and what people should do is the bulking our money’s in index funds say 80% and then you have 20% that you that’s how old money yeah that’s house money maybe maybe maybe one big maybe you don’t but you have to be disciplined and say okay it’s just like if you go to Vegas and then you’re gonna gamble you know you you have a setting a set amount of money and and play the stock market is gambling don’t let anybody tell you otherwise and you have a set amount of money and if you spend it you don’t go tap into your real money you say this is what I’m gonna spend. I might vary based on an individual maybe 8020 80% goes into index funds just index market funds and then 20% of your money that’s where you can go pretend you’re fucking Gordon Gekko and you’re gonna be a date traitor and what yeah and you watch your Jim Cramer and that’s fine and that way maybe that 20% blows up if you lose it oh well you go back to zero but if it blows up big blows up big. good for you the truth is as Jim Cramer always says and Jim Cramer is a fucking moron I mean he’s that guy’s caused more people to lose money than probably any guy in history but you know he’s still got a show he’s entertaining he’s obviously more of an entertainer than he is a stock picker but you know pigs get fat hogs get slaughtered it’s absolutely his greatest statement it’s totally true even if you have a big way if you have a big winner in the stock market on a name out of your 20% portfolio and you have a big winner sell the motherfucker ok you can dollar-cost averaging if you really want but fuck that if you double or triple your money sell it and put it back into your dollar cost average fund because you’re not gonna get it back thinking that you’re gonna oh it’s gonna keep going it’s gonna be a home run I’m gonna get a hundred time it’s not gonna happen and then the only other thing I would say is don’t be that dumbass in his 20% account that does margin shit ok y’all fuck with that the only thing I would say that you could get into and this is requires discipline in intelligence and obviously some form of training is options there’s a lot of money to be made in options you have to know what you’re doing but you definitely can make money and options when you’re in your 20% fun but that’s maybe another blog for another day yeah yeah a lot of good points if you guys have any more questions post a comment and we’ll do a sequel and we’ll move on to the next question which is how much should we expect to spend on food to see for a quality diet that we can get big off of and I would J and I’m sure gonna say the same thing it’s not that expensive no it’s it’s it’s actually nothing if you’re 25 years old you’re still growing physically you’re not growing height wise but neurologically your body’s growing your muscles are growing you’re really a sponge depending on your genetics but really simple you know basic foodstuffs you know don’t I wouldn’t go for milk or lactate or any of that shit I used to drink lactate but you know Mike and I both drank almond milk now but you want to have almond milk you want to have a really good you know multispectrum protein powder which isn’t gonna cost you much you can go to Costco and for 40 bucks get yourself a month and a half to two months supply from like combat muscle combat or muscle form or whatever they’re called combat powder you want to have some essential fatty acids you know you can go on Amazon and order or a medium chain triglyceride oil and easily one of those bottles is like 30 bucks in the last two months if you take four tablespoons a day okay and then maybe you know wherever you go you know Trader Joe’s Whole Foods any grocery store and buy sweet potatoes buy brown rice but packs of cans of tuna you know buy as many as you can and then buy like turkey meatballs or turkey burgers or something like that in egg whites you can you know there you go are online there’s a million companies that sell egg whites now and you know buy the bulk in bulk. you have those staple foods honestly you could easily survive off $200 to $250 a month easily with all that stuff no problem yeah absolutely especially if you’re you’re smart and you shop at Costco that’s buy things in bulk you can buy huge bags of lentils you can buy huge bags of de-feet almonds you buy you know two and a half pound Dreiser almonds you buy eggs 36 eggs at a time you buy you buy everything involving milks there yeah almond milk is in box everything you could possibly have is there in bulk and then you shop intelligently the weight the way people spend a lot of money on food is they just sort of wake up and then they go eat and then you go have a solid for 11 bucks well I can eat a whole day on eleven bucks and I can eat like a king on eleven bucks now that doesn’t mean never go out to lunch never go out to dinner nobody’s saying that but the question is do you need to spend out on it no you could probably eat 2 2 to 5 bucks a day and you could get plenty of protein plenty of nutrients and you would kill it in the gym this this goes back to the first question that we were answering you know what can you do at 25 that builds a foundation at 35 financially well I guess what you become you make Sunday afternoon or Sunday evening a ritual of three hours of meal prep okay you prepare your meals as Mike was talking about in Tupperware you get you put them all on a frigerator and you fucking eat those during the week I mean you’re gonna save. much money you know not going out to lunch with the guys even on weekends you have ready instant food that you prepare it’s as simple as like mike says lentils and some form of meat you know I like to have brown rice and turkey meatballs you know if you if you’re if you’re carb sensitive and you don’t want as many carbs or whatever just have green beans or asparagus or broccoli and in some form of protein but just pre pre prepare your meals on Sunday make that a Sunday night lifestyle habit I guarantee you the worth in weight the worth and weighted gold over time by the time you’re 35 oh my god because that’s going to be a core foundational life principle that you’re gonna now adhere to and you know over 1012 years you’re gonna always have food ready and you’re not gonna be eating like shit and it’s gonna help you in. many other ways you’re gonna obviously be healthy you’re gonna probably be leaner in shape and constantly have access to food that you can’t beat that man yeah yep. we’ll do our next question which is this is this is interesting what kind of money should you expect to make to live a high quality lifestyle that is impressive or passable to women and I would say that I know the guy who posted it and I like him a lot and we’ve met he’s a cool guy but I would say the question is flawed you can be a fucking broke dirtbag and if you’re in good shape and you have a nice body and you have a little bit of swag they’ll be spending money on you can you dominate oh yeah you don’t need to make shit yeah yeah no no no I mean like that’s that’s kind of a weird flawed question but if I was gonna answer it I honestly think it really depends on where you live right you live in New York City there’s no fucking way you can live a good life unless you’re making 200 grand I don’t give a shit how you know thrifty you are I mean if you’re making 200 grand and you’re 25 years old living with five people in a house maybe but let’s say you’re a thirty year old guy and you you know you’re answering the question you want to have a place to bring your wife your girlfriend back I mean you can’t do that in our house with five other guys right but um you got to make at least $100,000 if I was gonna just do a gross number in North America if you were making a hundred grand and you were a saver you can live an amazing life and you could live anywhere now if you’re living in New York City are you living in Los Angeles or San Francisco you got to make probably double that and that’s just that’s just again just all things being equal a gross number how do you have a good life saving all the things that we’re already talking about applying you can easily live an amazing life at 200 grand in those cities and a hundred grand anywhere else yeah yeah definitely it is really where you live you can live in Las Vegas and you can make 50 grand and there’s no state and be a presence and you live a very very you can rent a cool you can rent a cool apartment Lane Green Valley for eight hundred bucks which is nice with a hot tub stare at the stars at night party with all the like on tour day club senator yeah yeah and probability MW series yeah exactly and live a very nice life off of 50 grand. if you want to impress women by making money I would say if you have marketable skills because they’re in short supply in Vegas move your ass to Vegas and you will live a lot better life than you’re living now in every way imaginable yeah Mike and I talk about all the time it’s. weird and I lived in Vegas for almost three years that’s another story for another day but like Vegas has the seedy reputation you know the strip because most people do go to Vegas they don’t really know any life about outside of the strip you know and then nonsense they see on the clubs on the strip itself and in the the strip clubs and everywhere else all the seediest of Vegas but honest to god the city of Las Vegas like north or south and Mike and I are much more in favor of the northern part which is the Summerlin the northwestern part of Vegas it’s really I call it the Southwest but on a map it’s the northwest it’s an amazing place there may not be any better place in North America because you have the whole entire culture of Vegas you have all the restaurants you have all the nightlife you have all the theaters all the shows all the shit that you would get in LA or New York City at one fucking tenth the cost that’s not an exaggeration you literally can live in a 5,000 square foot house in Las Vegas in Summerland and pay $2,800 a month rent. again think about that with five guys and literally in 18 minutes or less drive down to the strip and be in the middle of the action yep and another myth about Vegas we’re this is ID aggression but I don’t know I love Vegas and another thing is people will say well I’m not cool enough to live in Vegas but actually if you’re like a normal guy you will be able to date out of your league if you live in Vegas because the so-called cool guys with the faux hawks and the tattoos are fucking douches dime-a-dozen yeah and then the girls of a run through them and they’re actually looking for a quality decent normal guy. you’ll actually be able to date those girls that you thought were previously unattainable yeah I mean like it’s funny cuz Vegas only has about of milf I’ve you know in the whole city but I mean God as Mike said I mean you know it’s a city run by entertainment and then quote unquote industry. almost all the girls in Vegas are hot I mean it’s just as simple as that you know they may be dumber than a fucking box of rocks but they’re hot. if you want you know to date and bang you know hot ass I mean sir I can’t imagine you have a better chance that what he just said to me in there yeah and it’s all off the strip though the so-called locals yep it isn’t like you go to V if you live in Vegas you don’t actually go to Vegas and try to meet girls on the strip you meet the people who work at the bars the people that everybody spends all that money on to have come Bringham bottles of vodka well those people have a life too and they actually don’t want to hang out with party douchebags they actually want like a fucking decent normal guy who isn’t gonna be a total degenerate scumbag and doesn’t have a drug problem it doesn’t have a gambling problem. again think about it well. next question is a roommates more trouble than the savings and depends on the roommates right I live with Jay it was great we lived with another guy and it was an awesome time it’s awesome when you can just hit up your roommate say let’s go hit the gym right it’s awesome when you share values it’s awesome when you can talk to somebody who inspires you in ways that you aren’t as good as. like me and Jay we work because you know he he’s got a font of training knowledge and he’s very dedicated discipline and that inspires me to be more disciplined and what he likes about me is that I’m very like philosophical introspective and I kind of have a big-picture thinking and I know how to get out of a lot of the cognitive traps a lot of us fall into. if you live with somebody like that who creates this energy it’s fucking awesome if you live with an idiot well then you just bring your own average down yeah I mean it’s not easy I mean we told mike says you know it’s not easy I mean you know depending on your financial situation I mean I think the most basic thing though over remote situation is make sure you have at least some space right you have a bedroom that you close the fucking door right you’re gonna bring a chick back you want to bang her you got to have something right you can’t be living on a fucking couch in a living room somebody’s house but yeah I mean the more common the more commonality that you have between your roommate or roommates I mean easier it’s gonna be on you I just think that there has to be a place like every man has to have his mancave at some point in time. as long as you have a room that you can close the door you’re good yep okay last two questions but they kind of relate to the same subject when is it too late or is it a bad decision to make a career change and we’ll couple that with this question how do you start over when you’re broke in your 30s okay I can answer these questions well a it’s never fucking to eat too late to have a career change repeat that a hundred times never I know people in ever 60 58 60 years old who have wet left wage-slave jobs and was in three years whatever it is they’re doing making double the money and working essentially half the time though again you work different hours.

I say half the time you’re not in the you know the Monday through Friday grind anymore but you’re you’re still working but you you can absolutely positively change your life change your change your message choice change your medium change everything about it your paradigm your thought process is anything at any time it’s never ever too late and there was the other question about you’re broke and okay. I mean let me tell you guys this man I was at the top of the mountain when I was 31 32 years old I went to divorce I wrote a huge fucking check to my first ex-wife who now lives happily ever after on the eastern part of the United States and you know more props to her I’m glad she’s happy I met another chick that I fell head-over-heels in love with I had a good life I still had a lot of money saved off I lived a life for the next seven or eight years and that woman put me in jail and basically ground me to a nub where I was not penniless but pretty close to it you know I lost a huge house I had a badass you know $100,000 car I mean I pretty much had it all and lost it all at that point in time of my life and now three and a half years later you know grossed over a million dollars last year and have an amazing life again with an up with an amazing partner and I can you know it’s the point is is that it’s never it’s never ever ever too late to leave a dead-end job and just start over and to make money you you can do it you just have to have vision you have to have obviously values and you have to be you know steadfast in your resolve to be successful I mean that’s what it is it’s basically just waking up that house shitty your life is or what’s coming you’ve come across and just putting one step forward further the next day yeah one of the best things I ever heard was a guy said hey you know I’m thinking about going to college but I’m 30 and you know I don’t know is it too late to go to college and the other guy said well look at it this way and four and four years from now you’re gonna be 34 you can either be 34 with a college degree or it could be 34 without one right. oh I’m 40 do I change careers well in 10 years you’re gonna be 50 buddy. you can either be 50 with the new career or you can be 50 in the same shitty career that you hate and you’re probably gonna be downsized and outsourced anyway you know and the whole idea that it’s too late to change careers guys I hate to break the news to you but you’re gonna be forced to change careers right people your fucking boss doesn’t like you they want to outsource your jobs the minute that some bean counter can eliminate your position he will. the whole idea that that is a choice to change careers it might be a false choice it isn’t you might have to do it anyway listen mykes can’t be more right if you’re a sales guy okay and I’m sure a lot of you guys out there are sales guys you know your hunters you’re doing a good job you make an armor ground hundred fifty grand whatever you’re trying to climb the ladder let me fucking tell you something right now you are nothing more than an employee ID number okay you are nothing more than that your name your rank your status in that company you’re just you’re nothing bro as Mike said I’ll fucking bean character come in tomorrow and say I’ll get three monkeys to do what you do and I’ll pay them a third each of what I’m paying you and then you’re done. you know your book of business your relationships let me tell you something that doesn’t mean shit okay because at one time in my life I was that guy I was you and I believe that it did and I learned very very hard lessons man chasing a title as a wage slave there’s nothing a good good that comes out of that you know because all you end up doing is the more money you make the more money they fucking take Uncle Sam continues to come after you you know the state comes after you you have to honestly you literally have to become an entrepreneur you should your goal every day if you’re 40 or 30 and you are contemplating a career change you’re not changing a career to get another job to work for the man you’re contemplating how the fuck am I going to become an entrepreneur and sustain myself at a level commensurate or better hopefully better than what you’re doing right now that should be your only goal honestly shouldn’t be anything else and I am saying that as a guy who did change at 41 and is now almost 43 and will never look back yeah yeah I just remember a funny story with involving Jay when I was younger not even Jay was telling me how he was up and a beef with the CFO and I was like well why he said well because I made 400 last year in the see I’ve only made 375. now it’s making my life hell and I said well why would he care you get paid on Commission. if you making 400 K that means you bring in four million an L into the company and of course I was a fucking naive child at the time you know but it was like well as a logical how could he how could he be mad and and Jay literally fucking got blown out of his job for making too much money now some people especially the really fucking autistic people who think that business is rational company’s irrational say well why would why would you ever fire high-performing sales persons oh yeah they’ll fucking blow you out. you can even think man I made 400 grand I brought in four million of the company I can justify my existence nope doesn’t matter some motherfucker gets jealous and you’re gone dude on yeah he Mike’s absolutely right and believe me man that’s how corporations are run it’s a fucking good old boy network it doesn’t matter you know where it’s at you know whether it’s women or men I mean they sound they surround themselves with their cronies and they all you know they’re their systems and processes and procedures last three to four years until somebody else comes in and everybody changes again it’s like a fucking circle jerk you know whoever’s the EVP or whoever’s the CFO is gonna be gone in three or four years I mean it’s just as simple as that you know they may take another job or whatever or they may get pushed out or they may just get bought up but when you’re a wage slave you are nothing more than an employee ID number do not forget that all right and that is a good note to end on. this is a little bit shorter than the last one because we’ve covered a lot of material if you want a sequel on personal financed and maybe we will do one go ahead and post your questions in the comments thank you very much awesome thanks for having me Mike