Here's the smart money talking. According to the Census Bureau boys, the average gap in earnings between adults with a college degree and ones with high school diplomas is about $23,000 and change per year. That's a pretty good chunk of dough, if you ask me, baby.

But take it with a grain of salt. Getting a degree is good, but it's not worth the paper it's printed on if you don't work hard and stay on the up-and-up. If you pick out what you want to do with your life, then fill your head with as much knowledge as you can about it (without getting a student loan). But thinking that the sheepskin automatically buys you a one-way ticket to Easy Street is fooling yourself.

Just like Dave Ramsey says; working hard, being honest and saving money is what really wins. How do you like them apples, jack?

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