Earlier quoted context omitted.
I paid off $240,000 in 3 years by not being an idiot with my money. I got on a budget with my wife. We cut up our credit cards because we always double or triple spent our money. We budgeted for things like Christmas. We followed Dave Ramsey's plan. We're 2 months from paying off our house now. Edit - I went back and checked, it was $140k.
That means you earned more than $80,000 post-tax income surplus to your needs. That surplus is a third more than the US average total household pre-tax income.
I prepared for a decade to graduate in CS in three months
131–140 of 387 posts
Re: I prepared for a decade to graduate in CS in three months
#132Earlier quoted context omitted.
I paid off $240,000 in 3 years by not being an idiot with my money. I got on a budget with my wife. We cut up our credit cards because we always double or triple spent our money. We budgeted for things like Christmas. We followed Dave Ramsey's plan. We're 2 months from paying off our house now. Edit - I went back and checked, it was $140k.
>by not being an idiot with my money It was also due to the fact that you were making $80k/year ABOVE your living expenses.
Re: I prepared for a decade to graduate in CS in three months
#133This was the only way I could do it without incurring expenses since I'm now 33 and have a family with children.
Re: I prepared for a decade to graduate in CS in three months
#134I read something ages back about a lesser known process called 'testing out' where you are basically able to just do the exams at universities to get a degree. It's suppose to encourage life-long learning and its based on the assumption that many professionals and adults accrue relevant experience outside of academia. I had always wanted to look more into this myself but it seemed to require too much bureaucracy. OPs…
I really do recommend WGU for experienced professionals, and self-guided and motivated learners. I would not suggest it for a brand new high schooler, or people who have no experience in the industry they're trying to get a degree in.
Re: I prepared for a decade to graduate in CS in three months
#135Earlier quoted context omitted.
I mean, that's still contingent on having a decent salary relative to the amount of debt - I'm assuming it didn't happen with a couple of ~30k/year salaries.
I was a sole provider making under $100k. Edit: salary. We were receiving small bonuses ($10k) at the time. but we learned to keep our expenses down, and every bonus we did receive we rolled right into debt before spending it on stupid crap.
240k over 3 years is $80k/yr in principal alone, substantially more with interest. If your post-tax take-home was $95k, that leaves only $15k/yr for living expenses for your household, which is extremely low.
Maybe that's possible with a lot of beans and rice, paid off used cars, and second-hand clothes and such.
Seems like part of the debt you are paying down is a mortgage, so that means your housing cost at least is part of the $80k/yr debt service. Still doesn't leave much for transportation (often second biggest expense for a household) and the rest.
Re: I prepared for a decade to graduate in CS in three months
#136I think the subheading may be a better title -- 'This is the story of how I prepared for a decade to graduate in 3 months.' This seems feasible only for a specific set of people: those with previous experience & looking specifically for the credential and not so much the learning experience that comes with a traditional 4 year degree. Not to take away from the author's achievement, I just think it would be misleading…
Some people on Reddit did say they completed 2-3 month bootcamps/courses with no prior experience and got junior dev jobs (in the UK), so I don't even know. Then again it's online and on Reddit, so they may be just lying. I believe it is possible to learn enough to be decent in 3 months full time, and then learn everything else as you go. However, I don't see anyone hiring with that kind of experience. But then why p…
Bootcamp’s here like Turing or Galvanize cost $20k and take 4-6mos but you’ll get an entry level Dev job at $75k or more when you’re done. It’s been a really good experience. Some have been really good programmers, others not so much. Same could be said of any demographic. There’s performers and under performers.
Re: I prepared for a decade to graduate in CS in three months
#137How important is a CS degree to a hiring manager? I have two unrelated degrees (both STEM though). Does a CS degree play a role when looking at a resume or does several years experience say more? I've been a software engineer for over 5 years and people still ask why I have the degrees that I do.
Re: I prepared for a decade to graduate in CS in three months
#138I think the subheading may be a better title -- 'This is the story of how I prepared for a decade to graduate in 3 months.' This seems feasible only for a specific set of people: those with previous experience & looking specifically for the credential and not so much the learning experience that comes with a traditional 4 year degree. Not to take away from the author's achievement, I just think it would be misleading…
The degree took me 6 months for about the same number of classes as the author. So I was going about half the speed of the author of this post, yet my speed was still astonishingly fast for my mentor. While you will read about people flying through the program, the norm is to take about 2.5 years.
When I first started the program I always joked that I was simply buying a $3,500 paper (the rough cost for one 6-month term). I looked at it as a degree-mill. I had accepted it for what it was. But after going through everything and graduating, I was wrong about that initial assessment. I am actually far more proud of the work I did at WGU than what I did at my official 4-year university back in my mid-20s. I also walked away feeling like I learned more at WGU than at my previous university.
Yes, some of the courses are very easy. I was able to coast through them in a day, relying entirely on my previous experience. But this is the same as any other college, there are always 10-20% of the courses that are easy, and you basically just need to show up. The difference is that a normal university would require you to go through the motions for 16 weeks before you can complete the class that you could have passed on day #1. WGU simply lets you take the final exam whenever you want, allowing you to control the timeframe.
While I flew about 20% of the classes quickly in less than 48 hours after starting them, the rest took me an average of about a week of full-time work. I was usually juggling two classes at a time.
A standard 3 credit college course is supposed to take around 20 hours of in-class time with about equal amounts of studying time at home. So a normal 3 credit class generally takes about 40 hours of work to pass. But it is spread across 16 weeks and you also juggle 4-6 other courses. At WGU you take 1-2 at a time and go full bore until you are done with the course. I find that I was still averaging about 40 hours per course on average, but since I could do it all at once I went through it faster. I also found that i retained the knowledge a lot better.
Funny enough, my breakdown is very similar to the author. I would say I didn't even look at the material for about 1/5 of the courses. I skimmed through the material while watching cherry picked lectures for 3/5 of the courses. The final 1/5 of courses I read the text book cover to cover.
Basically what I am getting at is that WGU isn't just a "buy an online degree" program. You really need to work for it. I was working full-time on school. Generally 8-10 hours a day during the week and 3-5 hours a day on the weekend. The tests were generally very difficult. Even courses where I had a lot of experience, I really had to slow down for the final assessments. Passing a course requires you to pass two tests. They call them a "pre-assessement" and an "objective assessment". This is essentially a mid-term and a final-exam from any other school. That is generally the only requirement. So as soon as you pass the "mid-term" they will let you take the "final exam", and once you pass that then you are done with the course. You can choose how to spend your time to prepare for these tests. You can spend zero hours or 100 hours on the course. There are lectures (they call them "cohorts"), text books, study guides, practice tests, homework problems, and flash cards provided for each course. You can choose what you want to use and what you don't want to use. You can also look at a course syllabus and recognize which parts you already know and which parts you need to study and then only spend your time on those parts. You go at your pace and you are in charge. Nothing else is required. For this reason you really need to have good time management and self control.
Overall I am really proud of my WGU Degree. It wasn't easy. I struggled on several classes, but I also walked away learning far more than I expected.
Its also worth noting that at the speed I went, it was exhausting. I really don't recommend it. It is clearly possible, but by the end I was burnt out. I hit full burn out when I had 4 courses left. I really struggled through the final few classes because I had simply gone so fast and so hard for too long. Unless you really need it, I don't recommend cramming this into a single term even if its technically possible.
Re: I prepared for a decade to graduate in CS in three months
#139How important is a CS degree to a hiring manager? I have two unrelated degrees (both STEM though). Does a CS degree play a role when looking at a resume or does several years experience say more? I've been a software engineer for over 5 years and people still ask why I have the degrees that I do.
Re: I prepared for a decade to graduate in CS in three months
#140Earlier quoted context omitted.
I mean, that's still contingent on having a decent salary relative to the amount of debt - I'm assuming it didn't happen with a couple of ~30k/year salaries.
I was a sole provider making under $100k. Edit: salary. We were receiving small bonuses ($10k) at the time. but we learned to keep our expenses down, and every bonus we did receive we rolled right into debt before spending it on stupid crap.