Agreed 100%. You either go to school and use that money to gain knowledge, friends and life experience or you never see the money in the first place. At age 29

Agreed 100%. You either go to school and use that money to gain knowledge, friends and life experience or you never see the money in the first place. At age 29 I STILL don't have that kind of money sitting around to invest. How would an 18 year old kid get access to it? Also, that $10,000 for living expenses is a static cost whether you go to school or not. So the number is really somewhere closer to $64k.