College Students and Money

Photo by Emily Ranquist on

I went around my local University campus today and surveyed college students about personal finance. (Tuesday, April 26th, 2022)

Here are the questions I asked:

  • What year are you graduating?
  • What education have you received about how to manage your money?
  • Do you feel ready to manage making $40,000+ a year after graduation and have a plan for what you will do with your money?
  • If you do not feel prepared, do you want more help/education about personal finance?
  • What’s one question about personal finance/money management you would like to have answered?

Here are their responses:

  • I am graduating between 2022-2025.
  • Most of them received no education about personal finance, or a class once in high school mainly about budgeting, the others may have learned a bit from a relative.
  • Most of them said no, they do not feel ready to manage a larger salary and don’t have a plan for how they will handle their new income.
  • All said yeah, they would like more education on personal finance.
  • Their answers varied on the last question, but here were their answers: Everything mortgage related, Taxes, How to not over spend, Investing in retirement, Credit cards, Interest rates, Roth IRAs, How to invest and what to invest in, how much you need to retire, and student loan repayment.

I found the results fascinating and worrisome, but I expected these answers.

People aren’t taught what to do with their money, so they default to what their family or peers do, which isn’t always what is best for you and your goals. Everyone is different. You need a plan to control your money, or it will control you.

I will provide answers to these questions and continue to connect with college students. If you are one of the students who spoke with me, thank you for your time! And do not hesitate to share my workbook and website with others. I would love to hear any other questions you or your friends may have too.

I will be writing a post on how I bought a house at 20 years old and what I learned from the process and working at the bank. I can also make a post about credit cards. The rest of the questions they asked, they are answered either on my Financial Advice tab or through my guidebook where the answers are tailored to you as an individual.

As always, thank you for reading! I’m looking forward to continuing to help others!


  • My Financial Planning Workbook!
  • ThriftBooks -I LOVE them as a company & order all of my books from them now! They ship super fast, great service, books always show up as described, super cheap, & good for the planet because they’re second-hand, but you get to choose the quality!
  • BetterHelp -A week of Therapy for FREE!
  • Betterment -Invest your first $5,000 for FREE!
  • Back Market -My referral code: 6888f588d6f85083 -$10 off your order! Refurbished Tech! My sister & I both got “new” phones from there. They’re awesome, great quality, so much cheaper than buying new (by up to 70%), came super fast, was super easy to buy, AND we saved 123 pounds of carbon emissions, each!
  • Instagram
  • TikTok
  • (I don’t post on the socials anymore, I prefer writing and connecting with local people)
  • My business email:

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