Hey J-dreamers

We've all been told growing up that the best way to live is to get an education and buy a home. Not many people question this logic and follow it blindly without many nuances or thought behind it. These two things are seen as lifetime achievements, something to be celebrated and a safe investment in your future. 

But have you ever questioned who benefits from these so-called investments in yourself? Have you ever questioned the quality of the product you're getting for the considerable financial burden you place yourself under?

I don't think many if any, do!

## The higher cost of higher education

If you want to get a so-called higher education these days and you do not have family wealth, or you are cash-rich then you need to finance it via student loans. Student loans are seen as an investment because once you complete your studies, you will now be able to access higher-paying jobs in exchange for the money and 4 - 5 years of studies. 

When in fact, it is only the barrier to entry that's the problem. 

Companies are encouraged to only hire people with degrees instead of human resource managers using their intuition and skill to test if someone is competent in a job or not. It sets up an artificial barrier to entry that you have to pay for to break through, a sort of pay to play scenario.

The content of the degree varies, and some are worth it while others not so much yet they are all pretty expensive to get one. 

Also, to be saddled with a degree that only improves your chances of getting you a job and doesn't guarantee you one, you are also delayed from entering the working world for 3 - 5 years. Robbing you of valuable work experience and wages you could have put to good use elsewhere. 

Perhaps starting your savings or paying for training that will improve your job output or even starting a small side business. 

For more on the school systems inadequacies check out my post - [Why The Current Education System Is An Antiquated Fallacy](https://steemit.com/education/@chekohler/why-the-current-education-system-is-antequated-falacy)

![](https://pbs.twimg.com/media/DSqQa2YUQAE5JWt?format=jpg&name=small)
**Image source:** - [twitter.com](https://twitter.com/debtcrisisorg/status/948729465122836480)

## The dream of homeownership

Once you've navigated the tertiary education trap and gound a job its now time to get yourself a home, preferably close to your current work to save on the commuting time and costs which is physically impossible in some cities with the sheer amount of people and demand along with the concentration fo business districts. 

Due to this craze to own a home, the prices continue to rise, and as they rise, people could no longer purchase them with cash and needed to borrow money from the bank. The banks would then continue to provide loans to more and more people and even develop homes to sell and create even higher demand. 

They drove up home prices and continued to fund loans to drive up demand. This now diverts 20 years or more of a person's potential income into one investment which is widely unsustainable, and many people will be left with nothing or owe money if housing prices correct.

![](https://miro.medium.com/max/500/1*sME88LMyz6T4ir9CoG0Sug.jpeg)

**Image source:** - [medium.com](https://medium.com/@Mattias.Lehman/student-debt-has-killed-the-american-dream-f93143ca8440)

## You have the right to debt 

Both education and homeownership should be rights, but they are becoming privileges for a select few and marginalising those who aren't able to pay to play. The system is slowly eating itself from the inside, and while the poor and leveraged middle class will feel it first, very few of us will be safe once this all comes crashing down.

## We have an option now

We are now in a downward debt spiral and since they are the only game in town central banking has tied us to this sinking ship. Satoshi saw this with the 2008 crisis and gave us a financial tool to break free, opt-out or just hedge your bets with something other than fiat-backed anything. 

It's taken Bitcoin 10 years to become one of the largest stores of the value of a single financial product and we're only at the beginning. The value will only continue to grow and fund this alternative economy that cannot be stopped. Instead of only creating value from the debt, we create value from saving, from trading and from a finite resource that cannot be controlled. 

Unless we start to curb our reliance on the banks and their toxic money we will never be able to correct the wrongs and constantly feeding the machine is not helping. 

Everyone should buy and own a little bit of Bitcoin in protest and show their faith in building a new world economy. Be it 1BTC or 1 Sat, show your support for financial freedom.

## Let's connect

If you liked this post sprinkle it with an upvote or resteem and if you don't already, consider following me @chekohler
![follow me](https://steemitimages.com/0x0/https://cdn.steemitimages.com/DQmSfrQD1Y3vNAfxKRxkEV9wpYcbbVEvqrJ5JcwhUKAhbv2/chekohler.gif)
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