Rebirth 79: I opened a bank in the United States

Calmly observing the scene in front of him with cold eyes, four words suddenly emerged from Carter's heart:

Winter is coming!

Today's Atlanta is almost the same as the future King's Landing in "A Song of Ice and Fire". The surface is still full of flower beds, and the glamorous people are still singing and dancing.

And in the corner of the north that people rarely notice, darkness is coming quietly. The economic winter caused by currency contraction is also approaching this bustling city step by step.

The increasing number of homeless people made Carter feel a little worried. It was not that he pitied or felt sorry for the homeless people in America, but he felt an unspeakable pressure.

Just as Julian told himself earlier, the current currency contraction has just begun, and it has not even raised its head slightly. It is just a small snowflake falling, and one or two night watchmen and ghouls are about to come.

The news of the recovery rushed into King's Landing, which had already created the situation before us.

Carter was a little afraid to think about what it would be like here in the future when the real winter comes...

"Carter? Carter?! What are you thinking about? You were so lost in thought that I called you several times and didn't hear you."

"Ah? What's the matter?"

As Likolis pulled his sleeves, Carter came back to his senses. The slight frown disappeared, and his face quickly returned to its previous calmness.

"We would like to ask you what suggestions you have for our jobs after graduation. Do you think we should come to Atlanta? Or go further, such as New York or Los Angeles?"

Although she was a little annoyed that Carter didn't listen to the conversation she and others were having, Licolis still kept a sweet smile, as if she didn't know this at all, and asked slightly seriously.

"It's the same everywhere..."

Just as he was thinking about the possible unemployment wave next year, Carter subconsciously answered the question about work.

The economic trend of currency contraction will not only target Atlanta or Georgia. As mentioned before, this thing is an absolute map cannon! In this environment, it is useless for you to run to New York or Los Angeles.

If the number of employees in Atlanta is decreasing, shouldn’t it be the same in New York and Los Angeles? And it’s not that Carter looks down on them. After graduating from high school, it will be difficult for you to get along in Atlanta, let alone New York.

The issue of academic qualifications will not only appear in China in the future, but also in the United States. In the United States these days, everyone says New York is good, and everyone goes to New York...

When there are more people in New York, they are bound to open their books. Even high-income people like Julian, who are already considered successful in their careers, are now busy with their books and are still working during the holidays. How about you?

Can you work harder, be more diligent, or have more knowledge than their group of masters?

"Um, what do you mean, do you mean we should stay in Douglas?"

Likolis was a little confused when she heard this. Normally speaking, shouldn't the more developed the economy and the larger the metropolitan area, the more job opportunities in a city, which would be more beneficial to one's future development? It's the same everywhere...

"I have never said this. It is your own choice where you go in the future. Only you have the right to decide your life. I just want to say... You are not very lucky. It will be difficult to find a job next year.

If you have the conditions, I personally recommend that you go to college. Even if you take out a loan, it is better than not studying at all!"

Carter spread his hands, thought for a moment and decided to reveal some news to these young people who were about to leave school.

They met by chance, and Carter didn't have any bad intentions. Plus, they were really unlucky...

Even if he had graduated a year earlier, like Anna, in the summer of 1979, he would not have hit the beginning of the unemployment wave.

"To get into college... even if it's a relatively cheap and good university, the tuition alone costs more than five thousand US dollars a year. This is too exaggerated!"

Upon hearing Carter's suggestion, a boy immediately shook his head and waved his hands:

"In addition to tuition fees, there are also some miscellaneous fees, plus living expenses. It costs at least more than 8,000 yuan a year, which is higher than my father's annual income. They can't afford it for me, and I have younger brothers and sisters.

If you take a loan... the income of more than 600 US dollars a month after graduation will only be less than 200 US dollars at most, which can be used to repay the loan. I don’t know if the interest alone will be enough to pay off such a small amount of money. This is terrible!”

"Yeah, it's a waste to go to college. You spend so much money to study, but the rewards you can get are no different from not studying, so why waste the money. It's hard to find a job, so just find it slowly.

We can still wait a few months."

The boy's words immediately aroused a chorus of agreement, and Carter could understand this. Not to mention the United States, some young people in China once had the so-called "university is useless" theory.

After all, Chinese universities are subsidized by the government, and most families can afford them. But in the United States, going to university is really a luxury, or a gamble. A huge gamble on the future!

Except for some high-achieving students who can get full scholarships or grants, ordinary families simply cannot afford the cost of their children going to college. Take Harvard University, for example. In 1840, the annual tuition fee at Harvard University was $75. Doesn’t that sound like a lot?

?But the per capita annual income at that time was only 90 US dollars! To provide for a child to study, it means that 83% of a father's annual income has to be used to pay tuition. And this proportion is still increasing year by year. At present, tuition fees account for 10% of the income.

The proportion has already exceeded 90%, even 95%.

Note that this is annual income, not average annual disposable income. And, most importantly, this must be a middle-class or above family, average... I am afraid of being average in everything...

In addition to this more digitized example, let’s look at a certain Guanhai brother. This Guanhai brother’s student loan was paid off from the time he graduated at the age of 22 until he was 43. He paid it back for a full 21 years, and

It’s a struggle to pay off the mortgage.

With such high tuition fees, nearly 90% of the people in Almond have no option of going to college in their life plans. As for the remaining 10%, they are either the ultimate scroll masters or they are just running for it.

Scholarships and grants provided by the university, or those from relatively wealthy families, can afford to go to a prestigious university with an average annual tuition of more than 5,000 to 6,000 yuan, but can still afford it if they go to a cheaper state university with more than 2,000 yuan.

.

Except for these two types of people, others can go out to work and earn money after finishing high school. Then fall in love, get married, and then go crazy and wander around in the world...

"It's up to you, I still say the same thing, your life has to be decided by yourself."

Carter nodded with understanding, but he didn't mean to give an American version of persuading others to learn. Don't persuade others to do good unless they have suffered. Carter is not a "why not eat minced meat" person.

If he hadn't been hit by the failure of his previous business, perhaps Carter would have given some more advice. For example, after going to college, although the starting salary seems to be no different from not going to school, the future development after going to college is much better than not going to school.

Promotion and salary increase are not just a dream...

But now, it’s not necessary! Not everyone’s life has to be spectacular. Successful strugglers are certainly enviable and jealous, and their past experiences will also make people admire and yearn for them, but if you are a deadbeat,

There's nothing wrong with it, right?

What's more, hard work may not necessarily lead to success, but as long as you lie flat enough, it will be easy...