8 Financial Realities That Are Making Americans’ Lives Terrible | The Financial Diet

8 Financial Realities That Are Making Americans’ Lives Terrible | The Financial Diet

100 Replies to “8 Financial Realities That Are Making Americans’ Lives Terrible | The Financial Diet

  1. Cost of living goes up every day, wages are staying the same and people are borrowing on credit and can't pay. Just saved you 19:30 minutes of video

  2. Part of the problem is that too many Americans don't have the mindset of people who lived through the Great Depression. My parents did, and at times, they were cheap. They didn't have a touch-tone phone until 1983, and they didn't have FM radio in a car until 1987.

    My father made me open an IRA, when I was in college.

    My wife has contributed thr max. amount to her 401(k) since age 22. Frankly, there were times in her early 20s, when she didn't eat well, because there was not much after rent, student loan payment, gas for the car, auto insurance, car loan, and 401(k) contribution.

    What causes me to scratch my head are people who I know live paycheck to paycheck. Yet, they own larger houses, drive more expensive cars, and have better electronics. When I get a new cell phone, it's one or two generations behind the latest phone, and my desktop computer is 9 years old.

  3. The bottom 20% want for nothing (but respect for others). Free: Food, rent, medical, college, and bunches of add ons.
    The third quintile gets squeezed hard. The fourth, strangled.
    The White blue collar worker is a modern slave. [Queue Star Spangled Banner.]

  4. 1. Nobody is starving except in cases of negligence and the most likely way for you to die is that food is so plentiful that you eat yourself to death and the complications arising therefrom. That makes us better off than 99.9% of humanity in its history. The only reason we think we aren't doing well is that we are so privileged that we seek out things to nitpick.

    2. Everyone is free to start a business and improve their lives with free job training programs in every state. Nobody is guaranteed success, only the freedom to seek it out. Because unless you have a star trek replicator lying about, then resources are limited and protection of private property is the proven best way to deal with the reality of scarcity, the knowledge problem of planned economies, and the laws of supply and demand.

    3. Marriage at all is deserving of hours and hours of video. But this might be by design as there are a lot of people who subscribe to differing ideologies that work under the doctrine of self imposed population reduction for numerous justifications such as climate change and overpopulation. After all, why would they make the cost of actually having a baby 10k and an abortion 3k. Combined with the fact that people who grew up under a bad family life develop a tendency to think they shouldn't procreate.

    4. Corporate subsidies are the worst offender of the rich getting things for free. But it is also unfair to engage in the practice of punitive taxation from a moral perspective. All taxation is theft though, so if it has to exist then a rigorous balance of the evil of taxation against the supposed good you are buying with the funds must be measured.

    5. Healthcare costs come from: over litigation and medical lawsuit culture, patent laws that favor protection for new services over mass proliferation of common, low cost off brands, very high barrier to entry for competition in the marketplace, ridiculous levels of regulation that require a specialized degrees in order to process the paperwork for even a routine checkup, requirements to service customers who can't pay and so the costs have to be paid by paying customers so that the business can continue to exist and pay the bills. All of which will still exist even if you did nationalize healthcare and run headfirst into the knowledge problem of planned economies.

    6. College prices are the result of the influx of guaranteed govt loans and a culture of demanding college degrees in useless fields that will not give you a return on investment. Unless you are going for STEM, healthcare, engineering, CS, or some other high paying field that requires a degree and has high demand for new people, then go to a trade school to get a certification and don't waste your money on liberal arts that you can learn on your own for the cost of an internet connection.

    7. Junior Achievement is one example of a program to try and fix this. Your channel is another. We spend 12 years for an entire work shift 5 days a week in school. All that is needed is a reorganization and standardization of curriculum via online based curriculum taught by the best teachers instead of relying on millions of C students that became teachers for the govt pension in locations where the people who need education to lift themselves up can't keep good teachers due to crime.

    8. See the book "Democracy: the god that failed" for a good explanation of time preference and incentives. Just ignore the anarchism crud.

  5. Let’s France the shit outta this government. Americans dont rise up against an unfair economy enough. I think you hit the nail on the head with acknowledging that only a few know what is going on and since the news is so bad, “they” will never tell us the truth. It can be as bad as hiding that the dollar will be plummeting to the bottom by 2020. Boom!!! New recession. This time with a student loan added to the housing crisis.

  6. I live in Serbia.
    26 year old.
    Not payed at all for university.
    Have good pay job for country and one travel per year.
    No debt.
    One 7 year old car.

    I think I am far better off than average American.

  7. No one is drowning in student debt that didn't make jack assed decisions that led to the accumulation of that debt. Did you do your due diligence ahead of time to find out what the chances are of being gainfully employed in your field, enough so that the debt load would actually be manageable? Did you go to college to avoid having to grow up, or did you go to hone your skills in order to have a sustainable career when you got out? Did you do any market analysis to find out if there was actually a market demand for your degree, or did you pick it because it sounded easy and sounded cool?

  8. The dollar in your eyes is paralyzing you American. Make start-ups and ventures in Europe. Your products are simply not available on our markets. Make products to rebond with American style like in the 70ies and the 80ies. We like your style but you aren't here.

  9. Kinda unrelated. But seriously, kudos to the writer(s) of the content in the Chelsea videos of tfd. So eloquent, succinct and accurate. 10/10 even when the topic doesn't apply to me, I still watch it.

  10. GREAT video!! You made some really good points. I remember being in the poverty trap. I think what saved me was having the presence of mind to opt for low student loan debt, never buying a car, and never having children. Also I went back to school for my Bachelors, was able to find a job in my field of study, and now make much more money than I need (still haven't bought my first car, though).
    I NEVER understood the idea of a big/fancy wedding. Why pay thousands to essentially throw your friends a party??!!
    Interesting Politifacts…sigh.
    In regards to medical costs, I firmly believe people should take their healthcare seriously. A lot of what people suffer from is preventable.

  11. Though I think these are all concepts that need to be seriously discussed and solved, I don't like seeing bad info listed and used as evidence. $413k in 1954 would equate to $3,923,469 today, so yeah, so changing their tax bracket so someone with that income takes home approx $1,000,000 seems more reasonable. In contrast, the video made it seem like a married couple making $423,000 today should only take home $100,000 and a single person can take home more than the couple just bc they aren't married…it just hits me wrong

  12. I feel like another reason college is so expensive is because colleges are literally pitted against each other to look the most impressive looking in order to attract future students (hello capitalism). They try so hard to outspend each other by providing rows of $3,000 Macs in the lobby and fancy recreational centers, yet the students are the ones paying and suffering from these excessive costs.

  13. I generally enjoy these videos & find valuable information in all of them, but this was over the top. A true free market system – unlike our crony capitalist system now – is how we became as prosperous as we did at one time.

    I was a chem major going pre-med 25 years ago. I saw where healthcare was going then, saw it would be a train wreck, & changed majors to accounting. I’ve been in biz ops ever since & love it.

    I disagree with your assessment that government & higher taxes – especially on the “super-rich” – is the answer, though I absolutely agree with much of what drives up the cost of living (FDA, Big Pharma, prison industrial complex, etc).

    The government has subsidized many areas it shouldn’t have, causing prices to rise (housing & college, for example). Public school tells everyone they need to go to college (they don’t – God bless Mike Rowe for his shows shedding a light on the blue-collar jobs sorely needed in our communities).

    We agree on many of the problems, just not the solutions. I appreciate your videos, but I disagree with much of the solutions offered here.

  14. Wow, I have to say although I am totally in for taxing the super rich a little more, I would feel kinda robbed if I had to give 90% of my income. In Germany the maximum is currently at 42%. I think it should be higher, but then at the same time I think it were necessary to put in another "income step" to make it fair. And less loop holes

  15. Don't understand why in USA students pay so much or pay at all just to study at university.

  16. I recently called a business I located in Silicon Valley. Their hold music paused and a commercial came on asking for food donations for the area for starving children. I thought to myself that it makes no sense for children to be starving in one of the wealthiest parts of the country.

  17. Sad that Americans can't save enough. I still believe there is a lot opportunities to move upward if you work hard and don't 'keep up with the Jones.'

  18. Afghanistan is the country with the highest infant mortality rate, 112.8 out of 1,000.

    America is 169th


  19. The life expectancy in the US is 79. Many European countries have the same life expectancy. Chad has the lowest in the world at 49.


  20. "Money is … freedom" – except for that 3 seconds the rest is pointless, distracting flapdoodle. Everything she says has nothing to do with getting and maintaining personal financial health. Do this: Live within your means and save; notice I'm not saying don't borrow. An elderly man I knew grew up poor during the great depression and died a millionaire. His life long gazillion dollar job was as a mechanic for the city bus company. And there's my father in law who grew up dirt poor – literally. He was enlisted in the military and an electrician. He was able to leave his children several hundred thousand dollars each.

  21. 7:45 People who complain that these taxes are too high can probably not even fathom how much money 10 million dollars is…I know I can't

  22. I believe that a large portion of Americans would do a lot better if you were thought in school how to handle money

  23. Living pay check to check is a personal problem. Live within your means. Stop charging everything. To say that we aren’t doing good is a joke lady. You could make 100k a year and live pay check to pay check because you don’t know how to manage money. Look at most professional athletes…… 10s of millions earned and go broke. There are 2 sides to all statistics….

  24. You go, Chelsea! Gen Xer here . . . I've been working my whole life on trying to fight some of these issues. Really glad to have Millennials and GenZ now involved in the struggle for justice as well! Together, we will turn this around and make this economic system healthier, more fair, more vibrant, and perhaps even kinder.

  25. I work for a social services organization. When a client was asked about getting a job, she mentioned all of the govt benefits she received and said "stupid girls work".

  26. Our economic life depends on our political life. Learn and vote. Voting is the bare minimum to vote your interests. Don’t vote on superficials like tough talk. Cheap shots don’t make good public policy. Not voting is a political choice.

  27. Eisenhower's 90% Tax rates were meant as a short term stimulus, everybody knew they weren't sustainable. If you over tax any demographic, regardless of income, would they not then move there finances, I.E. businesses and citizenship elsewhere? Don't get me wrong I think the insurance companies are crooked as all get out and you raise several thought provoking points. I'm just not sure how adding more rules and regulations is going to fix the ones that are broken and creating this problem.

    Also curious to know what your thoughts are on just not going to college if its so expensive? There is an overwhelming labor shortage in the skilled trades that in most instances pay more then some of those degree jobs. What is wrong with working while you go to school and paying cash? If people willingly put themselves in to debt when there is alternatives why does it become their neighbors responsibility to help bail them out of said debt? You say at the end of the video that you worked out of your debt but you don't want others to have to, I believe that's an admirable sentiment but that would devalue your paid training to the point where we come back around to why even go? I believe what they are charging for school nowadays is treasonous by the way, but I don't think making it free is the answer.

    Very nice video by the way, thank you for the time you put into it, it was enjoyable, I was just curious about your thoughts about these few points.

  28. either stand up and give the finger to the elite that control those student loans or be a slave. I'm so very tired, so tired…….37 and tired with gray hair, no wife, no kids, a 25 hour a week job that pays 15$ an hour that will now be considered min wage haha!! So My Security job that took me 8 years to work into after getting a DUI off my record is now a min wage job lol

  29. She nailed it regarding university costs/spending. I work at a university where they cut valuable instructors and added consultants and more administrators 🤦🏻‍♀️.

  30. I'll add some commentary…
    1. 1:06 Most Americans are not doing well. They would do better if they took their superphones and big screen TVs back to Best Buy. Dump the SUV or large Ford truck for a small economical car.
    2. 3:07 We're not really the land opportunity. Tell that to all the people who are trying to come here.
    3. 6:09 The wedding complex is bad for marriage. No argument from me.
    4. 7:06 Rich people do not play by the same rules. Are they doing anything illegal? if they are then call the IRS.
    5. 9:40 Americans are paying way more for way worse healthcare. Around 70% of health care costs come from problems associated with Diabetes. Thus, change the food supply and reduce obesity.
    6. 11:50 There's no reason why colleges have to be so expensive. College will continue to increase costs because there is no shortage of people who will keep enrolling and paying the tuition. We need to reduce the number of foreigners who are coming to our country for college. They can go somewhere else and thus drive up their tuition costs.
    7. 14:24 Most millennials don't have basic financial literacy. Replace Shakespeare, a useless class, in high school, with financial literacy.
    8. 16:06 The stock market isn't the real economy. It's a good barometer. There is no metric that completely represents how everyone is doing.

  31. There’s also a very pervasive myth that most Americans aren’t doing well and that social mobility is declining because of evil rich Wall Street boogeymen. The reason social mobility went down from 1940 is because kids born then had parents affected by the GREAT DEPRESSION, and living standards are better than ever! Income for the poorest 20% grew by 45% since 1979, so stagnant wages are a myth. Maybe college wouldn’t be so expensive if the government didn’t become involved in the student loan market and guarantee loans for 18 year olds with no credit and no assets. Remember the housing crash? This is left-wing propaganda that should NOT be on any finance channel. Finance is a discipline which promotes hard work, personal responsibility, free markets, small government, not leftie values like this.

  32. I don't see a reason why 'rich' should pay more % taxes than 'poor' ? where is the equality? Perhaps, asking the 'rich' to pay more % and % amount makes our system leverage to their needs! For example, a rich person pays taxes on the order of $ 250 K, which is same as total taxes paid by a sum of > 70,000 ( i.e., greater than seventy thousand Americans with an average median income ) and 150,000 'poor' Americans. Do you think that the life of one 'rich' american is any more important than a life of an average american? or a poor american? i.e., more important by 70,000 or 150,000 times?

    America's capitalistic system is aggressive just like evolution (i.e., wild, and hence the success) and not social/civilized, thus anyone who falls short will suffer and likely cease to exist without 'social security'. One/many can make endless videos and write books about it, ain't gonna change anytime soon 🙁

  33. Here how one woman spends differently after moving to Europe in this video: https://youtu.be/-z62-GUTfwA.

  34. I applaud you for addressing these issues. Too many people know far too little about the factors that contribute to wealth inequality and poverty in this country. Also, I have studied these topics extensively and I can say that what you have stated here is completely in keeping with what I found during my research. Thank you!

  35. I love this one; "the increased cost of a degree has actually driven down the value of a degree".. Um what? No, there are many, many things that have driven down the "value" of a degree. None of which is the cost. Having a degree nowadays is a joke. (and this is spoken by someone who has a Bachelors in business, who now works as an electrician) I can honestly say the only thing I "learned" in college is that I was "going to make so much money when I graduated", and that pretty much every problem known to man was because of republicans. Well, it took a few years of being in the real world for me to realize that all the BS i learned in college was just that.. BS. So no, its not the cost of college that has driven down the value of a degree. Its the lack of useful skills or knowledge that has driven down the value of a degree, because the professors are too busy pushing their political agenda than actually teaching anything of value in the real world.

  36. Us Mexicans are doing very well.
    This is the land of opportunity don't like it trade places for someone in Mexico or The Philippines within 5 years we're home owners and have money in the bank.
    No excuses work and create a plan on growing money.

  37. It's not surprising, everything state-controlled(Soviet Union, DPRK) and everything corporate-controlled are both disastrous economical models. And both fail in a long-term. When private capital acquires too much wealth and power, it becomes real ruler of the country, and uses any means possible to get more money! Monopolies kill everything, and country even may descend into fascism (most advanced undemocratic corporatist economic system ever!).

  38. I can't believe that 60% of Americans don't even have 1000 dollars in the bank to cover an emergency. https://www.cnbc.com/2019/01/23/most-americans-dont-have-the-savings-to-cover-a-1000-emergency.html
    I live in the southeastern Europe, ex communist country and have tens of thousands of euros in the bank. In moments like those and watching many videos of homeless in USA (practically no homeless here) is when i realise how complex this world really is.

  39. I have enjoyed many videos by TFD, but this video screams millennial entitlement! Take RESPONSIBILITY for your choices! There are consequences for your actions and you can make choices that in return, benefit or harm.
    #1- Criminal justice fees?!?! Don’t break the law! You won’t have to go to court….ever!
    #2- There are plenty of accounts at banks and/or credit unions that don’t require a minimum balance AT ALL. They will cash your check for free and will even pay good interest on whatever little bit of money you have in your account! They’ll even give you free checks, free online bill pay, and free budgeting tools! Yes, if you write checks that your funds can not cover, you will be charged, but again, that’s a choice you are making that will have negative consequences.
    #3- Buying in bulk is not always the least expensive option – especially on toiletries!! There are plenty of inexpensive options for these items at every dollar store, WalMart, etc. If you’re poor, don’t buy Charmin!
    #4- If you can’t afford a $20,000 wedding, be responsible and make better choices with the budget you can manage. Again, your choice, take responsibility.
    #5- You can’t compare income from 1954 with income today and no one should be taxed at astronomical percentages no matter how much money you make.
    #6- Americans are not healthy. A lot of other countries have much stricter policies to keep their food industry clean. We are sick, largely because we are overweight, over busy and we don’t take control of what we put into our bodies.
    #7- Education needs to be reformed, however, there are plenty of opportunities that don’t require a college degree. More information about realistic options needs to be shared with upcoming graduates so that they can make informed decisions.

  40. Ms Chelsea, If I may I would like to give an non-American view, as to why the majority of US citizens have high levels indebtedness.
    1: the high divorce rate – I understand that half of the marriages end in divorce. Divorce make people poorer
    2: children leaving their parents's house to live 'independently.' Unnecessary payment of rent.
    3: loose morals, begetting children out of wedlock, resulting in a very high percentage of single mothers.
    4: Money wasted on cigarettes, alcohol, and even more serious on drugs. And now practically all States have legalized cannabis – for medical purposes, my foot.
    5: The high payouts made on insurance claims – some of which are extremely dubious e.g. the Mc Donald's Hot Coffee Case. One has to remember that it not the defendants who pays these huge amounts of money, but their insurers. These in turn raise their premiums, so ultimately these claims are paid by the common citizens. And this is one the reasons why health care is so expensive in the USA,

  41. Life is not fair, but it is certainly fair that no one else should have to pay for your bad decisions. No, I don't feel sorry for your selfish decisions you made as adults. No, I don't owe you anything. No, society does not owe you anything. An Amish kid has more sense than you.

  42. This is to clarify: The traveling expenses accredited to Colgate University are most likely meant for professors who travel to their university to give talks, and to their professors who travel to other universities (often traveling internationally) to attend conferences and give talks.

  43. Congratulations for such an explicative and interesting video, than can even make people out of US think more about how you and us live in our countries.
    I'm from Spain, a country hardly punished by the last financial crisis in 2008. We are in 2019 and the macroeconomics as well as the "microeconomics" are still not fully recovered. We have a 15% unemployment rate, the public debt is about 100% GDP and the inflaction rate has been close to 0 during the last 10 years.
    And, even though I agree with you in most of your arguments you explain, I have some thoughts that I find interesting. You point three major problems related to public administration: the rich people is playing under different rules, the health system is working poorly due to the administrative costs and the college is too expensive, with increased rises during last years that didn't affected that much in the quality of the education but only made more burocratic job positions to pay.
    I don't find the solution for this is making the rich people pay what they deserve (even I find it fair, because here in Spain I'm a low-income worker and I'm paying more than 45% of my real salary in taxes while rich people here are doing financial ingeneering for paying as less as possible hiding their money everywhere else but in Spain) I pragmatic think that this is not the way. The way is cutting taxes for everyone (specially for low income people) and asking the governments to improve their money management, because most of the time is absurd in what they spend their budgets.
    As example, I've been working for regional gov here and last year we had an expense expedient with 15k euro remaining. If we didn't spend that money, next year central gov would cut the money transference for the whole unit just because the previous year we spent less, independent of what actuations we were budgeted to do. So for avoiding that, we had to make an expensive event who no one wanted, paying stupid amounts of money to caterings or speakers and making 0 impact on the society.
    And everything works this way in governments, politicals only want reelection and have a 4 year agenda while the economy is a long-term run.

  44. 3:47 I moved halfway up that chart, and my strategy can be replicated. 1) Don't do drugs; 2) Don't start a family before you can afford one; 3) Focus on STEM (or, maybe the trades); 4) Don't be afraid to take big risks, and leave behind everything familiar. In my case, I went to college across the US in a place with more jobs, relatively cheap cost of living, without enough money to go back home if I changed my mind. I went from a family of 5 with ~$20K earnings per year + welfare, to a $55K/year household of one as an adult, in under 10 years. It's very doable, but takes lots of willpower (especially 1 and 2), and generosity from others. (Who on welfare can afford a plane ticket?) My story is also filled with terrible mistakes (not finishing my degree at a private, out-of-state school; avoiding my student loans for 5 years when I was unemployable), and serendipity (accidentally geeking out in a field that allows me to get hired without a degree (software engineering); accidentally choosing a cheap city to live in, that happens to be stable and growing.) But also, dedication. I spent ~20/wk for ~5 years studying software engineering while I was eating from and living in government welfare.)

  45. She’s giving all these numbers but still fails to realize that America’s richest are purposely keeping poor people poor and they’re also in cahoots to kill off as many people as they could. The depopulation agenda is real…

  46. This is why I’m honestly considering moving to Canada once I can (finally) get my degree. I can’t afford American healthcare with my mental health issues, and if I ever am able to have kids, I don’t want them struggling this hard to get a decent job and education or living wage.
    Plus, down here in the American south, the obvious effects of global warming are starting to be unbearable.

  47. América includes Canada and Mexico – America is a continent so doesn’t this apply to the north central and South America’s? Or United States only weird to me

  48. Sadly, many of these issues apply in Australia 🇦🇺
    We currently have a great healthcare system which is accessible to all Australian residents but it’s under strain. I’ve heard horror stories about the American health system – heaven help if you don’t have private/employer health care.

  49. You can make any statistics or numbers dance in your favor. Why are you comparing the bottom 20% "chances" of making it to the top 20%?

    What's wrong with making it to the top 30% or 40%? Isn't SOME economic mobility better than NONE? Wouldn't someone making $20k a year be happier making $35k a year? $40k? $80k? <— That's STILL not even in the top 20%!

    It is a FACT that capitalism has lifted more people out of poverty than ANY OTHER SYSTEM.

    I'd like to see statistics of people in the bottom 20% making it to the MEDIAN income level of just $61k/year. Which actually INCREASES over time! Oh wait, that doesn't suit your narrative…

    I agree being poor is like being in quicksand…I've lived it…but I also know how many poor people have 60" flatscreens and the latest iPhone…

    Rich people don't play by the same rules? WE LIVE UNDER THE SAME LAWS.

    There's no secret club you need to join to take advantage of tax breaks…

    Learn something other than Gender Studies, get a decent paycheck, save your money and one day you could join the extremely few (86% of the country) overlords who control our entire lives…

    Most of this stuff could be avoided with proper financial education in schools, but the left would rather fix these problems at GUN POINT.

    Ironically YOU'RE the reason millennials get a bad rap…

    Spoken like a true entitled socialist. SMH.

  50. Yup, tried to close an account and I forgot one reoccurring payment and I was charged $35.00 for not having funds, so a 75 dollar charge became $110.00

  51. You know your are charged for drugs recklessly i think america wants to kill its civilians
    I m saying this coz the pharmaceuticals you get in america are mostly from india at and extremley extremley extremley low price and then you are charges 50% more on those drugs coz there is no agency in america which will be there to regulate the medicine industry and face book too 😜
    So american medicine department charge you how much money they want there is no over head inspector
    It seriously greedy and inhuman to kill your own civilians 😥
    I m sorry but rich people do it in every country

  52. This is simply the most important YouTube video for Americans to see. It's 19 and a half minutes of REALITY. Now you can take the red pill or the blue pill…

  53. I hear nothing but excuses as to why the poor are poor, when does personal responsibility come into the equation? Everyone wants to be rich but then the rich are demonized. People come to this country and become successful because they don’t use these excuses that Americans use. I see this as a commercial for the Democratic Party . I was poor but now I’m well off because I learn to use my money wisely and invested . The rich don’t pay taxes that the workers do because the rich supply jobs and are taxed differently with tax write offs . It’s a lack of financial education not the rich are holding you down. As soon as you learn personal responsibility and invest instead of being a consumer your life will be better. For someone who appears intelligent you are showing you know nothing

  54. I feel a 70% tax on anyone is too much. In fact taxes were illegal unit 1916. I feel in order for everyone to win taxes need to be severely reduced.

  55. That's what I thought when I came to America but you are absolutely right and this is why I have to move back to Europe especially because of the free healthcare system well it's not free but it's better than what we have in America

  56. Thank you for saying all this. Seriously.
    Also, I think you'd really appreciate Andrew Yang, a 2020 Presidential candidate. Some of what you stated in this video align almost word for word with his speeches! #yang2020

  57. I think studying in USA is much more valuable nad exclusive because you need to pay for it and I think it's great! If you can not afford to study or can not pay for it later maybe you shouldn't study? In Poland universty is for free and everyone goes for it then these degrees becomes less valuable (there are some exceptional cases like law, architecture or medicine)

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