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chris is starting off this hour in Wilmington Delaware welcome to the dive Ramsey show Chris hi Dave hey whats up my question is Im 25 three years out of college I was extremely lucky to have a grandfather that paid for my college and extremely stupid by majoring in philosophy I want to go back to school for finance and actually start an actual career but I dont want to go into debt I dont have much money to my name and Im just wondering what I should do okay what do you do for a living Im a glorified paper scanner okay what do you make a twenty grand okay working 40 hours yeah cool okay so you want to study finance where did you graduate with your undergrad before University of Delaware okay cool so have you done any investigation as to how much of your BA youve been out two years you said right about three three okay Im wondering if some of your philosophy degree if we cant just make this a double major and you go back and like your first two years are probably out of the w