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[Music] heres your money briefing for Tuesday March 21st Im Erin Delmore for the Wall Street Journal filling in for J.R Whalen some apprenticeships are harder to get into than an ivy league university more and more students are choosing them over traditional four-year colleges Im Erin Delmore and joining me is Wall Street Journal reporter Doug Belkin Doug thank you for being with us thanks very much for the invitation so Doug tell me more about these apprenticeship programs how do they work mostly students will take classes often in community college but not always sometimes in a four-year college and theyll be working at the same time and theyll have a mentor at work so theyll be learning a trade traditionally the trades been in construction or something blue collar but more and more were seeing these pop up in white collar industries and insurance and Banking and I.T and so theyre going to school on the one-handed learning the theory about how an industry works and then seco