Latest / Financial Survival Network / Always Be Educatin'! - Dr. Kuni Beasley #5877

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Always Be Educatin'! - Dr. Kuni Beasley #5877 · Financial Survival Network

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And you really don't need to go to college to get a good liberal education.
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I'm doing a study with Benjamin Franklin right now, and you know,
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one of the one of the greatest contributors intellectually to our civilization. He didn't
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go to college, but there's a process that he developed on how to learn
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things. And I'm developing a program right now called Benjamin Franklin Forum where you
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don't need to go to college to get this great education. It's all sitting
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there on books in the library, or on disc or online. You're listening
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to carry Lets's Financial Survival Network, where you get valuable information you just can't
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find anywhere else to thrive in today's trying times. You need the Financial Survival
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Lets. It's mid August, literally the midpoint of which means summer will soon
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be behind us. But this is a great time if you've got kids going
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to college, if you're worrying about how to pay for them, if you
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have relatives thinking of college. All of these things you really need to hear
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from my next guest, doctor Cooney Beasley. Doctor Beasley, you've been helping
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people for over forty years to reach their college goals. I assume things have
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changed quite a bit in the past forty years, because forty years ago,
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I went to law school and I think it cost me a grand total of
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fifteen thousand dollars, not including accommodations, room and board, and I literally
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made back my tuition. I doubled the return of my investment in six months
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and the rest of his history. As they say, So, things are
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a little bit different now, aren't they. Doctor. Yeah. Yeah,
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Well, forty years ago, the average American family could, the average American
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family could buy their house, buy their two cars, and put their three
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kids to college on their salary without without loans. Yeah. Now your average
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drugs are can't even do that, you know. Yeah, well, man,
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they talk to me, they can do that. Okay, That's what
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we know. That's what we focus on. We have a lot of strategies
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on how to take the pinch out of the cost of college. Right,
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So, I see, like since twenty eleven you said you're you're You and
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your team have helped students get over three hundred million dollars in scholarships and grants
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for all of the best schools. Hey, but not everybody is supposed to
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go to Harvard or Yale, are they? No? No, there's plenty
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of good schools out there. You know, a lot of people try to
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place a little too much vanity on schools and are willing to pay the vanity
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premium for a school, and a lot of the vanity schools, your ROI
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will never reach zero. You're going to be in a negative roy for the
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rest of your life most of the time, right, especially if you don't
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bother to graduate. That's right, That's right. That's a sixty percent of
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students don't make it, and so all they have is some college credit and
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a lot of college debt. You know, I hate to go back in
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the day when I went to school, but we had these things we call
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them perennial students, and they just kept grinding through, generating tuition and fees
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for the institution, but they never got the benefit of an education. Now
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I think people realize that's not really a great course. But hey, if
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you've if you've entered college and you stayed there for like, say two years,
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a year and a half, you could have amassed enormous debt and then
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you drop out, you're still responsible for it. There's no guarantee that you
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only have to pay back if you graduate here. Yeah, that's right.
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I mean again, most of the college debt or not, I'm gonna say
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most, A significant portion of college debt is held by people who did not
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finish college. So another interesting thing is even people who do graduate from colleges,
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if you go to the wrong college and take the wrong thing. The
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statistics are online. I don't gave me the database, but well, right,
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no, I'm gonna I'm gonna crash that one. Well, okay,
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when you look at the average earnings, there's database average earnings of graduates from
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every college in the country, and then percentage that have defaulted on their student
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loan debt, and you know, it's kind of shocking. So is it
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does it always benefit you to go to college? Well, it depends Statistically,
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that says that you're going to make more money going to college as a
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norm if you're in the mid line band, yes, okay, but you're
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some of your richest people your Bill Gates and your Steven Jobs and those people
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they dropped out a lot. Yeah, Zuckerberg, You've got a lot of
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people who were very entrepreneurial. I mean, I go from the fact that
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you know, I have two doctoral degrees. There's a lot of people who
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make a lot more money than me. You don't have college degrees. I
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mean, my mother was an immigrant from Japan, couldn't read to write English,
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and died a millionaire. Okay, so there's a lot of ambition action
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doing the work that counts for that. So, uh, you know,
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it's good to have a college degree, but not necessarily required. I mean,
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I also follow mic rose perspective. You've got a lot of trades that
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make a lot more average plumber makes more money than than your average family practice
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doctor. Yeh, dirty jobs. Hey. Yeah. You know. You
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know who did graduate from college and did get an advanced degree. Elon Musk,
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Yeah, Elon Musk, and and and but he stopped he once he
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realized that he had reached his potential and gaining education, he dropped out of
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a PhD program and went to business. Right. But point being that,
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you know, this romanticized notion of I'm in college I'll drop off and I'll
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become the next Bill Gates or Mark Zuperberg's ingenuous. I hear that a lot
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because and they'll say, you know, Zuckerberg didn't do it. Stephen Jobs,
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I said, okay, then let me go to your garage and see
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where you got the next Apple computers. Are you building it? Okay?
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Let me go look at your software that you developed. Okay. Some of
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these people, they were gifted, and a lot of the people, for
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example, a lot of people that you know went on the Zuckerbergs and people
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who went to Harvard. Harvard attracted them because they weren't looking for to make
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them smarter, they were looking to keep them there for four years and then
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as they launched in their career they would be part of the Harvard legacy because
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a lot of colleges will will recruit based on legacy that this kid has promised
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and is going to be a donor later. So here's a question for your
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doctor, what is the purpose of a college education? Well, it's multi
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number one. A lot of people go to college just to enlighten their intellectual
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capacity. Micro will admit to that he's got a degree in philosophy. Uh,
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some people go because they need a technical background. If you're going to
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be an engineer, you need to go to college. Okay, you're going
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to be a doctor, you're gonna need to go to college. You're gonna
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be Dennis, you need to go to college. You gotta and business.
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If you're going to get certifications in business, you're going to be an accountant,
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you need to go to college. If you're going to be an entrepreneur,
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you don't need to go to college. In fact, I I tend
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to think that if you are really an entrepreneur, college may be a hindrance.
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Yeah, I can. I can see your point there. I will
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fourth generation entrepreneur. But I also went to law school and uh, you
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know, did other stuff. But in my case, and in my case,
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none of my I mean, I have a bachelor's degree in criminal justice.
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I've never busted anybody, never go to parking ticket. I have a
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master's in business and I got that because I was leaving the service and I
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needed to have some sort of credentials that ran into the business world. Ironically,
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when I went to the business world, I was hired for what I
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did in the Army, not because I had an MBA and then my first
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doctorate is in Greek and Hebrew. Nobody's asked me to be their rabbi.
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My second doctor in urban and the second one is in urban and public administration.
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No one's asked me to be their mayors. So academically I'm a failure,
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all right, So twenty two years of college down the drink. Did
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you catch that story? It was like, right around the time of the
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financial collapse, this guy had gotten a he went back to college, went
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into death, and he got a degree in puppetry. And then he was
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outraged because he couldn't find major career opportunities in puppetry. I guess, I
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guess Sesame Street didn't want I don't I don't remember that story. I don't
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know where you get a degree in puppetry. So what about useless degrees,
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Well, there's no degrees that are quote unquote useless. You may have high
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expectations for some you know, women's studies is not a degree that you get
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expecting to make a lot of money out of some of those, some of
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the fufu degrees. But again a lot of people don't go into the field
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of their degrees unless you're in the technical field. Most people don't go into
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their degree field, except maybe if you're in business or communication or something like
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that. I mean again, I'm in this field. Of all things I've
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I've taught in fourteen different areas at the graduate level. Some of them have
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been in business, but I haven't teached I've never taught a course in criminal
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justice. I have taught a course in Greek, and I have taught public
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administration. But by and large, you know, my business now has nothing
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to do with my degree fields other than the fact that I managed to go
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to college twenty two years and only pay for one semester, which is pretty
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good. Yeah. So, so the idea of becoming more worldly, better
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rounded person liberal education when it actually meant something. You know, my daughter
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she wounded up going be you and to the College of General Studies, and
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she complained for two years that she had to stay there. But she learned
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how to write, the you know, really read purpose all these things.
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So sometimes you think you're learning something that's a real pain, but it really
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is the best thing you could have done, and you really don't need to
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go to college to get a good liberal education. I'm doing a study with
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Benjamin Franklin right now, and you know, one of the one of the
10:28
greatest contributors intellectually to our civilization. He didn't go to college, but there's
10:33
a process that he developed on how to learn things. And I'm developing a
10:37
program right now called Benjamin Franklin for him where you don't need to go to
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college to get this great level education. It's all sitting there on books in
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the library or on disc or online. Yeah, it's it's all there.
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I mean, you know, I missed out on a bunch of classic books
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when I was growing up in school, high school and such. Some of
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them I didn't read and I just wasn't into it. And I went back
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and read those books sometimes I did audio books. And so the concept though
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I find in America, I think many of you out there, I think
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that just because you graduate from college or graduate school, you're done learning.
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Isn't it true, though, that all going to school does is give you
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the tools to find out what you need to learn once you get out into
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the job market. Yeah, that's that's one of the purposes of going to
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colleges. You get the tools to read, you get the tools to learn
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how to write. I mean, I remember I was teaching a political science
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class, and I was requiring these types of students turn into monograph each class
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period. And I had this girl come up and complain. He says,
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why are we writing all these papers? I thought this was a government class
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and not an English class. And I said, young lady, you take
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composition so that you can write papers for the other classes. And you know,
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and and a lot of people who go to college really don't have a
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concept or what their room is supposed to really supposed to gain out of college.
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I didn't gain that until I was in my PhD program staying here.
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Well, my thing was wasn't serious till I took a semester off. I
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was ill. I came back and I went to night school, and I
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was surrounded by all these students who, most of them first one in their
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family to go to college, and they were going to college to get a
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degree, whether it was accounting or whatever, to further improve their career and
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job prospects. And they were so much more serious than the day students that
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you know, it was just a much more intellectually stimulating environment. Even though
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they had worked a full day of work and now they were in school,
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trying to you know, to get ahead. That's that's what I did.
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I mean when I got my master's degree, I was on active duty in
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the army. I went to school at night and there was seven of us
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who doubled up. We finished our NBA in fifty weeks. We doubled up
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work together, got through it. Went to school at night, and then
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for the rest of my my graduate degrees, I always in school at night.
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Went again, You're there with more serious people the day students were you
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tend to tended to be still a little more cology and you want to use
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that worst so much partiers, But they didn't take it as seriously. But
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the guys at night, I mean, I mean, I remember some of
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my public administrations class I had when I was sitting there with an assistant city
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managers from Dallas, director of the Dart system. I mean, there were
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some pretty pretty heavy hitters. I'm chief of police from one of the suburbs,
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so you know, but these people were serious about learning this and getting
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a better education. Yeah, hey, I remembering their prospects. In law
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school, I had a guy who was the head of the Army Corps of
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Engineers for like New York State and the whole northeast. He was a general
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and he said, you know, I'm going to law school because most of
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the problems I have now have nothing to do with engineering. It's all legal.
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Therefore, that's why I'm here. He was pretty amazing. So so
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how do you get to go to school for free? Well, well,
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we're very simple. You. First thing we look at is metrics, that's
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uh grades, test scores, class rank. And I want to I want
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to expel this myth about test optional. Okay, except for the state schools
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in California, it is still important to get good test scores. I don't
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care what they say. People are using this as an it's used to blow
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off test scores. But the common data set, that's the data set that
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all the colleges report in that if your test scores are in that middle fifty
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percent band, what they what they have that your prospects of being admitted are
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half again better if if you have test scores in that band. That's just
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the statistics, and the people sit there and try to poopoo. This is
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now what happens. But these test optional things, particularly when you're doing high
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profile schools, your Stanfords and your princess and stuff. They now have a
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lower acceptance rate because the number of people who applied have doubled, the same
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number of people get in, but the percentage goes down because you've doubled the
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number of people who are who are not sending in test scores. They're applying
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on a wing and a prayer, and it becomes a I mean, I
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think I think one of the colleges said they there revenue increased with seven million
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on application fees because so many more people are doing the wing in the prayer
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a bit and uh, and they think that there's an easy way to do
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it. We don't have to do tests. I mean, I've had to
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deal with heads of heads of prep academies and they said, well, we
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don't need to do TESTA. Yes, you do. They're not keeping up
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with the information, so test scores are important. I mean, and if
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you and eighty five percent of the colleges in the country will admit you and
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scholarship you on metrics alone. I mean, at University of Alabama, a
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three point five and a thirty two act will get you one hundred and twelve
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thousand dollars in scholarship money. Automatically. Wow, that's remarkable. Well yeah,
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so yeah, this whole thing of getting rid of the tests, I
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just think is wrong. Yeah, the tests. There's a reason they give
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tests. Yeah, you gotta have you got to have a common denominator because
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with all the great inflation that goes on and the weighted GPA stuff like,
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there's no way of figuring out somebody is really ready for college and the tests.
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The tests aren't the best thing you can do, but that's the best
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thing that we have right now. Uh. And SAP scrambling right now with
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their new test. I'm not a big fan of the SAP. I lean
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more to ACT. It's a more legitimate test. Yeah. Well, it's
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just like IQ tests. There is no better predictor of success in life than
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IQ tests, whether you like it or not. It's the truth of the
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matter. And all tests indirectly reflect the IQ, don't they in a sense?
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Yes? Okay, but you can't say that I can raise you know,
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because I help somebody raise their SAT score four hundred points, I don't
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necessarily help them raise their IQ. I've taught I've taught them how to,
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let's say, beat the test, which is what I really don't. I
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don't teach people math, reading or grammar or whatever on the tests. I
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teach him how to beat the test using inductive in deducted reason. I do
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this for the l s AT, the MCAT, the DAD, all of
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the other tests. Gre you can beat these tests. Oh yeah, I
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know, like go. Originally I took the l SATs and I thought I'm
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not a good test taker. And this is back when the scores where the
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hundreds. I got five fifty. I spent the summer at Stanley Kaplan.
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He was one of the first elsat guys in New York City, and I
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went up to seven hundred, and I don't think I got that much smarter,
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but I knew the hacks. I knew what to expect and to not
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get phased by the test, not let the tests psych me out. That's
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right, that's right. I mean my daughter was the top score at University
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of Texas Arlington. She was the top l s AT score. I ran
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the numbers on that two hundred and forty two people scored higher than her on
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the L set and then forty five thousand people took the L set that year.
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Remarkable, and it was just getting you know, being being able to
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hack the test. Yeah, so test taking is a whole art in itself.
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And unfortunately for my education, and I went to pretty good public schools,
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they didn't really ever teach us how to take tests. Most of them
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don't. Well, you know, SAT test is primarily well, just take
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practice tests. Well, if you just take practice tests over and over and
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over again, you're going to get the same result over and over and over
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again. That's a definition of insanity. Right. You've got to have a
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you've got to have a system of correcting your errors, learning from them,
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and developing techniques on Well, for example, we teach our students to answer
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the reading passages without doing the reading. And how to do math is a
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sixty to seventy percent of the math can be done with inductive and deductive reading
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without having a crunch numbers. Right, Hey, I just remember I took
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a real estate test at California number of years ago. Granted I was a
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lawyer for thirty something years, but I was by far the oldest person in
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that room, and I had done minimal studying. I did some I won't
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say I didn't. I took it cold, but I did minimal studying.
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As the first person out of there, out of that room in less than
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an hour and past it. So you know, it's really because I knew
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how to take the test, and it wasn't. You had experience, you
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have intelligence, You're always you're always going to do better when you have that.
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But I you know, I also help people take the interest licensing exams
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and whatever they that need to take a test on. I teach them how
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to disliked the test and beat the test. Yeah. Well, it's amazing
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when you get into a mindset where the test psychs you. I mean,
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I hear people in Florida here at six seven, eight times they took the
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real estate exam and failed. And I'm not saying it's an easy test by
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any stretch, especially if you have no burience with the law and real estate
20:03
transaction. It's not an easy test. But thirty thousand people in Palm Beach
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County managed to pass it, and a lot of them have not a clue
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what they're doing. So interesting, So when you're doing test prep, what's
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the most important thing? You think, Well, it's it's actually dedicating the
20:23
time and doing proper test prep. Now, we we follow a very strict
20:27
processes we have you. We have you take the test non timed, okay,
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because we don't try to do the timing and learning test taking techniques because
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it's like trying to change a tire with the car's rulings. It's not very
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good. Strate So first we'll get good and then we'll get fast. So
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we have them go through when we train them on all the little hacks you
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know how to understand. We'll look at the last digit or look for semi
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colons and periods and think there's little hacks that you do right. And then
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then they take the test, and then they go back and they would do
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what's called a critique and all the answers they got wrong, they reverse engineer
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the answers, and then they go back and they said, Okay, I
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answered as incorrect. I took a because and you want to erase that neuropathway
21:07
in your brain that got you that bad answer. And then you say,
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this is what I should have done to get the correct answer. And what
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you do is you bore a new pathway, so when you see that similar
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question again, you're going to get it right. Well, we have them
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take the same test three times. Now, there was a study done that
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they took two groups of people. One group took an sat the same test
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test one once, sent test one twice, test one three times, and
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another group took test one two three, and then it gave test four.
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The group that did the same test three times scored higher on test four because
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after a while they were able to recognize the patterns that were involved, they
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were able to observe and some people, once you get to that point,
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you're able to look at the question, figure it out real quick and intuitively
21:48
get the correct answer using inductive and deductive reasoning. And that's what we teach
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them to do. And we have them repeat this with three tests, and
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then we work on timing. So they assume we do a lot of this
21:59
online, and now it's all done online, we have to say, you
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know, one of the things that we do is we tell them mark,
22:03
if you're using a paper test, mark your answers in the test booklets,
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and then at certain points you transfer your answers in batches and reduces coding error
22:11
and you depending on the link of the test, you'll say three to five
22:15
minutes, sort of going back and forth, trying to reorient every time every
22:18
time you transfer answer you transferred batches as simple as that. One thing I
22:22
find so interesting is the contrast between like an SAT or an ACT and a
22:30
state licensing test. Your goals are totally different there. Sat els at whatever
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you want to get the highest score you possibly can achieve, and you get
22:41
every point in the licensing test. All you want to do is get seventy
22:45
or seventy five. You just want to pass. You just want to pass.
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And it's so different, Like because I'm studying the real estate exam and
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I'm getting upset because I'm not getting over ninety percent and I should be doing
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better than this, you know. And then I said, well, wait
23:02
a second, the ninety I'll still pass it because you only need seventy or
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seventy five. And I realized I was focusing on the wrong the wrong priorities
23:11
here. Yeah. Well, the difference also is that your real Estate exam
23:15
is content origent. You have to know the material, Okay, you can't
23:18
cipher through that test, whereas SAT and ACT their aptitude based and you can
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cipher through the test. If you learn to do the proper test taking techniques,
23:27
you'll raise your score. So it's not so much content. I mean
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you have to know your basic math functions, and you have to know basic
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grammar. Right, you're not you're not. It's not you're not. Your
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grammar is not being tested. Your ability to cipher through your grammars being tested.
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Yeah, and then they got all those like little trick questions that they
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ask to trip you up. And those follow a distinct pattern too, don't
23:48
they. Yeah, yeah, well ACT is notorious using me. SAT is
23:52
notorious for that. ACT doesn't doesn't have a lot of trick questions. But
23:56
that's how SAT makes its questions more difficult. They put more trick questions in
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and not so much that it's a higher level matheism, but they'll put it.
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And so we show them the different types of questions. We have what's
24:07
called the bonehead answer or the landmine answer, you know, sucker answer,
24:11
things like that that they put in there. So we have to make sure
24:15
that students can recognize these upfront. I remember maybe it was the bar exam.
24:21
They said, there's one question that you will see that you always know
24:26
you know the answer too, and that is that they will give an example
24:30
and then one of the things will be this is an example of the doctrine
24:34
of the fruit of the poisonous tree you know theory. I mean you always
24:41
knew instantly because nobody knew what the fruit of the poisonous tree theory was,
24:47
but it was always in there. And yeah, I guess it's it's the
24:49
same at all. They just put in those standard questions to trip you up,
24:55
and once you see it, you smile, and that helps improve your
25:00
confidence to a confidence with test taking is everything, isn't it? Well,
25:04
that's that's part of it. And plus you know when I tell people how
25:08
do I prepare for a test in college, and I go, you have
25:11
to know the material? Okay, As I go back to mister Miyagi,
25:14
best block is not be there, Okay, best best way for an academic
25:18
test is know the material. There's no you know, there are certain test
25:21
taking techniques you can do to make sure you don't screw up and make fewer
25:23
mistakes, but if you're if you're taking in an English exam, you have
25:27
to know the material. If you don't know the material, there's no substitute
25:30
for knowing the material. Yeah, I remember with courses like you know,
25:33
I'd look at the I'd go to the back of the chapter at the questions
25:37
first before I did anything, and then I would pay very close attention to
25:42
what the teachers said and trying to figure out what questions they were going to
25:47
ask on the exam. That way, it was a lot easier, you
25:51
know, I didn't have to go through learning a bunch of stuff that wasn't
25:55
necessarily productible. We have a course, it's called Learning Dynamics on how to
25:57
do how to take notes, how to book notes, how to take class
26:00
notes, and where they overlap, where your questions on the tests are going
26:03
to be. And if you know the questions on the test, or you
26:06
write questions that are tougher than the questions on the test, then it's then
26:08
then you're going to know the material. That's we have an entire process how
26:11
to read, study, test and write better, faster and easier. You
26:15
know, if people use this system. I mean, we've had kids take
26:18
off. I've had kids graduate from high school as youngest thirteen. I've had
26:22
people graduate from college as young as sixteen. I had nineteen year olds get
26:25
into med school. I had an eighteen year old sit for the California Bar
26:27
amazing, and you know, but now these are not typical kids, but
26:32
they were very ambitious barn Burner kids, and they were they were suffocating in
26:37
a conventional school environment. Understandable, I know that. Feeling quite well and
26:42
all right, so hey, just tell us how we connect with you,
26:47
how we find out more about what you're offering here and hopefully get a piece
26:52
of that scholarship and grant pie. Yeah, well, they can contact me
26:56
at Beasley College Bred It's b E A s L e Y Beasley College Prep
27:02
dot com. Depending on how much bendwidth we have, I will and your
27:06
your participants here. We will give them a free consult Let's show them,
27:11
you know, what they need to do. And we're not We're not here
27:12
to make a sales pitch. We're here to help people, and you know,
27:15
we'll tell them what they need to do and if there's a place that
27:18
we can help them. Now we can help just about anybody. But you
27:22
know, a lot of times we can tell people to do and make a
27:23
good decision and they can proceed with it, and that's what we're looking to
27:26
do. Excellent. Well, hey, we appreciate you coming on doctor A.
27:32
The link is in the show notes on Financial Survival Network dot com.
27:37
And make sure when you're there you sign up for your free newsletter. Got
27:41
a question for doctor Beasley or myself, Shoot me an email k L at
27:45
kryltz dot com. We'll get you an answer quick. Hey, doctor,
27:48
appreciate you coming on and keep up to great work. All right, Thank
27:52
you, bye bye. Thanks for listening to carry Lets's Financial Survival Network,
27:56
your solution to today's trying time James. For the latest, go to Financial
28:02
Survival Network dot com. Financial Survival Network now more than ever,