Work ethic is still the determining factor. Some people are better suited to institutional learning like some people need "fat camp" because they can't discipli

Work ethic is still the determining factor. Some people are better suited to institutional learning like some people need "fat camp" because they can't discipline themselves to adopt a healthy lifestyle. My advice to young folks - education has INCREDIBLE value, but err towards buying low. It's a racket industry and you must navigate the options to find best long-term value for the money you spend, including having a strategy for how the investment will pay for itself. Even kids who know they have the entrepreneur bug can benefit from the creds of a formal education. Just be smart about it.