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‘Credit cards are not money’: 11 financial lessons from smart women who learned the hard way

Wisdom from savvy women who've been there—so you can skip the financial heartbreak.

Photo credit: Canva

Woman holding money.

Money conversations between women are essential. This is where women can drop their guard, admit their mistakes, and share the lessons they have learned at a high cost.

Recently, a powerful discussion erupted online when women on the subreddit r/AskWomen were asked a simple question: "What's the hardest money lesson you've learned so far?" The responses were raw, honest, and surprisingly universal—revealing financial truths that every woman should know before learning them the expensive way.

These aren't just money tips; they're survival strategies from women who've navigated financial hurricanes and emerged stronger.

Here are the 11 lessons that repeatedly emerged, each one carrying the weight of experience and the power to transform your financial future:

- YouTube www.youtube.com


1. Build your emergency fund like your life depends on it (because it does)

A recent survey conducted by U.S. News revealed a shocking truth: Two in five Americans (42%) do not have an emergency savings fund. Even more dismaying, nearly as many (40%) couldn't cover a $1,000 emergency expense with cash or savings, though 60% said they'd had an "unexpected expense pop up in the last year."

Unfortunately, a massive part of the problem is a gender wealth gap: nearly half of all women (49%) don't have an emergency fund, compared with just 36% of men who don't. They also have lower balances. Among women who do have emergency savings, the median balance is $6,500. It's $11,000 among men.

However, data revealed that emergency savings are the strongest predictor of financial well-being. Findings from Vanguard research indicate that having at least $2,000 in emergency savings is associated with a 21% higher level of economic well-being compared to not having any emergency savings.

money, emergency, funds, financial, literary Emergency funds are crucial. Photo credit: Canva

"Emergency funds aren't optional," warned one Reddit user. "Life will throw curveballs when you least expect them."

Another person chimed in, "Yup, my husband lost his high-paying job when I was eight months pregnant. I'm about to give birth and still have no job."

Then, a separate woman: "[I was] just driving and swerved to avoid [hitting] a rabbit. I hit the curb and needed new tires the same week I needed expensive dental work. Literally every dollar of debt I've been paying off this year just tacked right back on."

2. Never make someone else your financial safety net

Too many women learn this lesson through divorce, job loss, or relationship endings. Financial dependence isn't romantic—it's risky.

"Make your own money. Even if you meet someone wealthy who pays the bills, being able to say f*ck off is priceless ☺️" wrote one person on Reddit.

via GIPHY

Another echoed this sentiment, writing, "And have things in your name. Build your own credit. Lease your own vehicle. Financial abuse and manipulation in relationships is devastating."

Reflecting on their past, someone else replied: "It's so important to have credit in your own name. I stupidly got rid of all my credit cards when I was a stay-at-home mom, and it's taken me eight years of paying bills on time to achieve a good credit score finally. No credit is worse than bad credit. You never know what curveballs life will throw at you."

3. Bank approval doesn't mean you should say yes

"Just because you're approved for it doesn't mean you can afford it," warns one Reddit user. "Congrats! You're approved for a $500K mortgage! But can you afford $3,500 a month just for the mortgage? (On top of all the other house costs, like food, clothes, electricity, and water?)

Another person chimed in: "THIS! My Husband and I sat down and did the math on 'Here's what we make, here's what we owe, here's what we can afford for our monthly mortgage to be.' Then we went to a mortgage lender, and they ran their program, saying they'd give us a loan for twice what we knew we could afford. I'm so glad we did the math ourselves first and didn't take their word for it, or we'd have been headed to foreclosure for sure!"

- YouTube www.youtube.com

Here's the cold reality: Banks make money from your debt. A pre-approved credit limit or loan offer isn't a financial blessing—it's a business opportunity. Banks see your income and think "customer potential," not "what's best for this person's financial future."

Try the 48-hour rule: wait two days before accepting any credit offer, and ask yourself if you actually need it.

4. Lending money often means losing money

Mixing money with relationships is like mixing oil and water—it doesn't make sense and often creates an entire mess.

That $500 loan to a friend often becomes a $500 lesson about boundaries. Before lending money to anyone, ask yourself if you can afford to lose it completely. If the answer is no, the answer to the loan request should also be no. A simple, "I'm sorry, I can't lend you money," is a complete sentence and a complete answer.

"Don't lend money unless you can afford to never get it back," writes one replier. "I lent someone over $5,000, and when I asked for it to be repaid, she blocked my number and ghosted me."

5. Credit card debt is quicksand

Credit cards aren't emergency funds—they're expensive traps. A recent Experian survey found that nearly 25% of Americans are struggling to manage their debts. Meanwhile, LendingTree reports that the average APR offered with new credit cards is 24.23%.

One Reddit user recommends using a 0% APR credit card to reduce your credit card debt. "0% APR is good," they write. "Create a calendar reminder to remember when it ends. Before that [date], pay off your credit card bill and use it like a debit card. If you can't pay it within two weeks, don't use it. Pay off your card twice a month."

credit, cards, financial, literacy, women Credit cards are a slippery slope into debt. Photo credit: Canva

This echoes Experian's advice for paying down debt and improving financial literacy. They endorse the 50/30/20 budget, which allocates 50% of your net income for essentials, such as groceries and rent; 30% for discretionary spending, such as entertainment; and 20% toward savings and paying off debt.

6. Trust, but verify—even in love

It's not fun to talk about, but financial infidelity affects relationships more than physical infidelity, according to financial therapists. Research also shows that women's financial independence is an essential aspect of gender equality within heterosexual couples because it liberates women from fear of obligation to men. It's been proven time and time again that financially dependent (versus independent) women are more likely to experience poverty, material deprivation, and marital instability.

People online put it more bluntly: "Unfortunately, don't trust your partner with your finances," one writes. "Don't take their word for it because they're a liar. They've been lying to your face for a year. The savings you thought you had are all gone."

Another person replied, "As the partner that manages the money in my marriage, I second this so loudly. I'm responsible for our finances and trustworthy. But you shouldn't trust anyone with your financial security. I make sure my husband is aware and involved. He doesn't care, but everyone [else] should. If he wanted to leave me tomorrow, he should have access to funds to do so and the knowledge of how much there is and isn't, how much debt we have, etc."

They continue:

"Knowledge is power, people. Any investment decisions or purchases exceeding $200 must be discussed and approved by both parties. Even if your money is completely separate, it's essential to know how your partner manages their own finances. Because you're on the hook for their mistakes in some way/shape/form at the end of the day."

7. Your own bank account is non-negotiable

"Keep a separate bank account with yourself as the only signer," urges a Redditor. "You are not required to tell anyone that you have it. Consider keeping a joint account for communal bills with your significant other, but keep all other expenses in your own separate account. This wedding advice was given to me 20 years ago by my aunt, who has been happily married for 40 years. She was right then—and still is.

- YouTube www.youtube.com

Financial independence starts with financial access. Having your own account isn't planning for divorce—it's preparing for life. Even you need your own money in your own account. This isn't about hiding purchases or planning an exit strategy; it's about maintaining your financial identity and independence.

As David Back, co-founder of AE Wealth Management, notes: "You should have your own account, both of you. It's absolutely critical, especially for women, that you keep money in an account that's yours that you control."

"8. "No" is a complete sentence.

Women are socialized to be helpful and accommodating—often at the expense of their own financial security.

"It's OK to say no when someone asks you to loan them money," one person reminds. "I have the hardest time saying no to friends and family, and have an even harder time asking them to pay me back. Now I just say, 'I'm sorry, I don't have any money I can loan you.'"

Remember: You don't need to justify, explain, or apologize for protecting your money. Whether it's a loan request from family or pressure to cosign for someone, "No, I can't do that" is sufficient. Your financial boundaries aren't suggestions—they're requirements for your security.

9. Payday loans are financial poison

Here's a stat that will make your blood run cold: The annualized interest rate for a payday loan often exceeds 10 times that of a typical credit card. These loans cost $15-$30 per $100 borrowed, resulting in an annualized rate of 360%-780%, and they rarely help people build credit, often trapping borrowers in debt cycles.

"Don't take out a payday loan. Credit cards are not money. Don't mess with the IRS. And most importantly, protect your credit score. That number is everything," writes a woman on Reddit.

- YouTube www.youtube.com

Payday loans aren't emergency solutions—they're emergency creators. If you need emergency cash, consider exploring credit union loans, nonprofit assistance programs, or asking family before resorting to payday loans.

10. Trust your bank's romance scam warnings

Have you ever received a financial request from a stranger on social media or a dating app? Maybe posing as an old classmate or a potential romantic match, these predators work their magic on you—being charismatic, gaining emotional trust—before things take a turn, and they suddenly ask for money, citing a medical emergency, travel expenses, a lost passport, or a frozen bank account.

Sadly, this is the classic setup for a romance scam—a dangerous and growing form of fraud that preys on emotions. Corebank reports that victims often "lose hundreds or even thousands of dollars, believing they are helping someone they deeply care about—only to later realize they were deceived."

A banker on Reddit warns others of romance scams, writing: "If your bank tells you it's a suspicious account and refuses to send your wire transfer, trust them! You are susceptible to romance scams."

woman, stressed, money, financial, literacy Don't stress yourself out over a romance scam. Photo credit: Canva

Another shares, "My best friend fell for one of these. We're all dumbfounded because she's smarter than that. She didn't listen to any of our warnings. I'm not sure if the bank tried to warn her, but if they did, she didn't listen. 😞"

Corebank also found that romance scams disproportionately affect individuals over 55 years old (52%), which isn't to say that younger demographics are immune to their charms, with 11% of victims falling between the ages of 18 and 44.

How bad is this problem? According to the North American Securities Administrators Association (NASAA), romance scams, also known as confidence scams, are a growing problem in the United States. In September 2021, the Federal Bureau of Investigation (FBI) issued a warning that its Internet Crime Complaint Center (IC3) had received more than 1,800 complaints related to online romance scams, resulting in losses of over $133.4 million.

Make sure to protect your heart—and your wallet!—while talking to people online!

11. Permission to spend money on yourself, granted

Sometimes, the best financial advice for women is: to spend your dang money.

"I grew up poor, like, 'electricity was off sometimes' poor," recounts one woman. "Now, with my fiancé—who loves to spoil me—it's so hard for me to let him spend money on me. He can buy me a soda, and I'm like, 'But it's $3…' I'm constantly asking him, 'Is this OK?' when I get something. [I've learned from him] that it's fine to say, 'Money comes, money goes.'

via GIPHY

Where does this guilt come from?

The UN reports that when women work, they invest 90% of their income back into their families, compared with 35% for men.

You don't need to earn every purchase through suffering or justify every treat. Spending money on yourself isn't selfish—it's necessary. Whether it's the massage that helps you recharge or the course that advances your career, investing in yourself is investing in everyone who depends on you. Build "personal spending" into your budget and spend it guilt-free.

The bottom line: Your financial story starts here

What's beautiful about this thread is that these lessons weren't learned in classrooms or from textbooks—they were earned through real experience, tough decisions, and sometimes painful mistakes. And what's even better? You don't have to learn them the hard way.

Every woman who shared her story did so hoping to spare another woman the same financial heartbreak. Their wisdom is your shortcut to financial confidence.

Pick one lesson that resonates most with you. Take one small action this week. Open that savings account. Have that money conversation. Set that boundary. Your future self—and every woman watching your example—will thank you.

Because when women control their money, they don't just change their own lives. They change everything.

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Middle-class families share how much they have in their savings accounts and it's eye-opening

"We make the most money we ever have and have zero savings. We live paycheck to paycheck and every month I don’t know how we get by."

Photo by Karolina Kaboompics/Pexels

Many middle class families are sharing that they have nothing in savings right now.

According to an April 2024 Gallup poll, 54% of Americans identify as part of the middle class, with 39% identifying as "middle class" and 15% identifying as "upper-middle class." That percentage has held fairly steady for years, but what it feels like to be a middle-class American has shifted for many.

Notably, inflation caused by the pandemic has hit middle-class families hard, with incomes not keeping up with cost-of-living increases. Housing costs have skyrocketed in many areas of the country, mortgage interest rates have risen to levels not seen since the pre-Obama era, and grocery bills have increased significantly. One government study found that the cost of living has increased between around $800 and $1,300 a month, depending on the state, since 2021, putting a squeeze on everyone, including the middle class.

How much money do middle-class Americans have in their savings accounts?

One woman shared that her family is just getting by and asked other middle-class people to "chime in" with what they have in their savings accounts.

@abbyy..rosee

somethings gotta give #savings #middleclass #relatable

"I swear, every paycheck I am putting money into my savings, but needing to transfer it back within a few days," shared @abbyy..rosee on TikTok. "My registration is due. My husband's registration is due. He needed two new tires, even though they had a warranty. That's $300. My oldest needs braces, he needs a palate expander, that's $120 a month. Not to mention groceries are $200 more a week. Forget about feeding your family great ingredients because who has $500 a week to spend on perfect ingredients to feed your family?"

middle class, cash, savings, family finances, dollar bills, A depressed couple doing their bills.via Canva/Photos

She explained that her husband makes enough money that they should be able to live comfortably, and that she quit her job because the cost of daycare was more than she was making.

"At some point, something has to give," she said. "What is going on? How do I save money?"

People in the comments chimed in with their savings account totals and it was quite eye-opening. Many people shared that they have $0 saved.

"We make the most money we ever have and have zero savings. We live paycheck to paycheck and every month I don’t know how we get by."

"I think the middle class is 1 personal disaster away from bankruptcy."

"Y’all got savings accounts?!?! 😂"

"I used to freak out if I had under $10k in savings, now I’m happy when I have over $150. 😫"

"We make almost 100,000 a year with no savings!!!! It's always something!!"

"I'm lucky if we have $500-$1K for an emergency. Every single time we start saving, something happens: the vet, the cars, the kids... something."

"Savings account? I transfer money each paycheck but always end up needing to transfer it back. My husband makes great money too but we are scraping by."

"$803 but we have to pay a $750 deductible this week b/c my Husband hit a deer soooo… back at it 😭 It’s exhausting. Constantly draining it, refilling it, transferring."


middle class, cash, savings, family finances, dollar bills, An upset couple doing their bills.via Canva/Photos

Some people shared that they do have some savings, but several said it was because they'd had an inheritance or other chunk of money come their way. Many people shared that their savings has dwindled as increased costs have taken their toll. Some people gave lifestyle advice to save money, but most agreed that just the basics have gotten so expensive it's harder to make ends meet much less put extra into savings.

Thankfully, the inflation issue appears to be waning, but even just plateauing at their current financial reality isn't ideal for many American families. Middle class is supposed to be a comfortable place to be—not rich, but well enough off to feel secure. That's not how many middle class folks feel, though. Most Americans don't have anything close to the amount of money saved that is recommended across the age spectrum, but at least hearing that others are in the same boat is somewhat comforting.

middle class, cash, savings, family finances, dollar bills, An upset couple doing their bills.via Canva/Photos

Further, a 2024 study found that 37% of Americans can't afford an unexpected expense over $400, and nearly a quarter of them don't have any emergency savings at all. “Not all surprises are good, and people know it. The study suggests financial precarity at a time when household finances may be stretched due to rising prices and inflation,” says Rebecca Rickert, head of communications at Empower. “Life happens, and people are stressed about the surprise expenses that could tip them off-balance.”

It can be vulnerable to share your financial reality, but it's helpful to hear what other people are doing and dealing with so we all feel less alone when we're struggling. Perhaps if people were more open about money, we'd all be able to help one another find ways to improve our financial situations rather than lamenting our empty savings accounts and wondering how to change them.

This article originally appeared last year.

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From pest control to pet cremation, these 18 industries are surprisingly booming

These jobs aren't going anywhere anytime soon.

Photo credit: Canva

Would you work in these industries if you knew they'd provide security?

So many of us are either looking for extra easy ways to make income, or searching for more lucrative and secure career paths to pivot to altogether. But with so much "advancement" being thrown at us, it’s hard to know if a path we are considering will even be around long enough for us to pursue it, and which ones will go the way of the robots.

After all, according to a study from Microsoft, dozens of jobs are highly at risk of being replaced by AI, particularly those involving language, analysis, and communication, such as translators, historians, writers (rest assured…a bot did not write this piece…yet!).

However, when someone on Reddit asked, “What industry is booming way more than people think?” people gave a ton of insight into which jobs might have actual potential. Many prospects are in utilities—things to do with essential services like electricity, natural gas, water, etc.—which makes a lot of sense. But there are also some rather surprising niche sectors in there as well.

Of course, take this all with a grain of salt, but perhaps a quick scroll could provide you with some inspiration about thinking outside the box when it comes to making money moves.

Check out these surprisingly “booming” industries…

1. Wastewater treatment

“S*** doesn’t go away.”

“I work in the Civil Engineering industry. Wastewater treatment is not only a booming industry, but it’s insanely hard to find wastewater engineers! I think they’ve got like a .5% unemployment rate or something insane, maybe even lower.”

“Civil 3D designer here working on water projects. Between raw water pipelines and treatment facilities, I feel pretty damn secure in my career. Water always needs to be moved somewhere.”

“Environmental & Safety Director here. Can confirm. We pay wastewater operators very well in our company and they can be tough to come by!”

@mywowscotland What happens when you flush the 🚽? Claire is a Waste Water Treatment Operator and she shows what a day in her life looks like working for @scottishwater From testing samples to analysing data and, of course, feeding the fish, Claire shows how her job plays an important part in keeping our water safe. #careers #ScottishWater #ditl ♬ cool water - dayaway

2. Electricity storage

“Grid-scale battery storage, used to store excess electricity from wind and solar farms for use during peak demand. This industry is huge and is growing exponentially, especially as the cost of batteries continues to drop and demand increases.”

“I used to develop BESS systems [Battery Energy Storage Systems] for a renewables developer...We are in need of a lot of electrical & civil engineers, accountants, and people to build the damn things.”

“Energy, particularly electricity, due to AI demand. Electricity demand has been pretty slow and steady the past couple of decades due to better efficiency, but now AI has caused a huge spike.”

3. Data centers

“I worked for a utility company near Atlanta and all in just about 3-5 years the data centers became the largest load on electricity by a long shot. Before it was hospitals and shopping centers but the data centers started pulling WAY more load.”

“I work for a major transformer supplier as an engineer, and I design the pad-mounted ones. We are pumping out transformers as fast as we physically can, but our order backlog is so long that it is being measured in YEARS. Imagine ordering a PS5 and the projected shipping date is 2-4 years later.”

“Doing some data center work one day. Ask what the 8 smaller buildings outside are for, cuz they look like generator houses. They were way bigger than the mines, and there were 8 of them. The utility literally cannot supply them with enough power, so they’re just gonna make their own. Blew my mind.”


4. E-Commerce packaging

“Packaging in general with e-commerce. Problem is it’s almost at a commodity level, so it’s a price and cost over design and performance.”

5. Pest Control

“Pest control, quietly, has a 5-11% growth year over year."


@pestworld Is pest control the right career path for you? There is no experience needed. You can learn everything on the job! #pestcontroljobs #highschoolgraduation #careergoals #helppeople #entryleveljobs ♬ Where We've Been (Vocalese Only) - The Young Ebenezers

6. HVAC (Heating, Ventilation, and Air Conditioning) Installation

“More areas where you used to get by just fine with an open window and a box fan are getting unbearably hot in the summers.”

“I’ve installed 3 for myself and a bunch for other, have the vacuum pump and the electrical needed is super easy too, but with a certification I can charge a lot more. I even use real wood trim to cover the line sets instead of that crap plastic.”

“Hand over fist money to be had in NYC doing that.”

- YouTube youtube.com

7. Creating mobile games

“$92.5 billion made in 2024, half of the entire video game industry.”

“The bored SAHM in her 40s that's spending money on Candy Crush when she wants a break from watching Bravo isn't going to take up console/PC gaming looking for something more complex and engaging, the simple phone screen game is plenty. Or the 8 year old that can get his hands on mom's credit card through her phone game but can't get his hands on a gaming PC.”

“94% of kids today prefer mobile for gaming compared to any console or PC.”

- YouTube youtube.com

8. Loneliness Remedies

"Any industry that fills the void left by having a partner and friends. People are lonelier than ever. So pets, porn, entertainment/distractions, dumb*** consumables (looking at you, labubu)."

9. Debt Collection

"I'm in the legal services industry related to debt collection. Bankruptcy filings are up double-digits each month, year over year. And they have been for approx. 12 out of the last 18 months. If you're a new attorney, it's a great field to get into because it's only getting busier and it's cyclical; Once this wave passes it'll be another 6 or 8 years and there's going to be another wave. Ride those waves to retirement!"

10. Pet cremation

“I never thought I'd do this because when my pets have died I've always just taken them to the veterinarian with my parents and idk what he does with them, but we lost our almost 15yo dog who belonged to my late mom so I thought it made sense to cremate him and spread his ashes in the same place we spread our mom's.”

“Just had to do this for the first time. It's awful, but I'm thankful to have something to hold instead of burying her”

- YouTube youtube.com

11. Any and all pet care, actually

“If you know how to source it you’ll make bank selling in western markets.”

“It’s catching on in the East, too. I went to a restaurant in downtown Tokyo and there were dogs in strollers and dresses all over. In fact, my baby’s stroller company makes doggy strollers. For over ¥80,000! ($550 USD). “

“People have so much information and most pet owners want their pet to live a long happy life and will spend on them. People didn’t used to care less, but the information and supplies just weren’t there. Despite the world going to shit in so many ways we’re in a golden age of pet ownership, and if anything the stress of life is making people more fixated on their animal companions as therapy and comfort creatures.”

@craftersclub.uk Making one of my best sellers 🐶 #sublimation #smallbusiness #petproducts #tutorial ♬ original sound - Crafters Club

12. Sports betting

“As a big sports fan, I can’t believe how out of control it’s become. 10 years ago, it felt like it was a niche thing that your weird uncle did; now, you cannot go anywhere that has sports and not have it be a massive point of discussion. A large group of people, mostly men, are completely incapable of watching a sport now without having money on something or yammering about their parlay.”

13. Making board games

“Plastic minis and war games. Seriously, Games Workshop [board game company] generates more revenue for the British economy than the entire fishing industry. It’s actually mad how much people will pay for that stuff when it’s so very cheap to make.”

14. Digital therapy

“Mental health and wellness technology, e.g., digital therapy apps, telepsychiatry, and wellness platforms.”

“Good one. I work for a behavioral health company that is fully telehealth…We book out several weeks with 40 full time providers.”

15. Selling secondhand clothes

“The second-hand clothing resale industry. Everyone talks about fast fashion, but Vinted and thrift stores are quietly driving a huge economy.”

@caroline.shops Replying to @AlternativeAmy some top tips on how to shift stuff on Vinted! 💰 💕 #vinted #vintedseller #vintedtips #vintedhacks #vintedhacksandtips #reselling #resellercommunity #makingmoneyonline ♬ original sound - CAROLINE | THE THRIFTER

16. …or secondhand cars…

“The used car market. I work on the back end in the commercial lending side for car dealerships. The tariffs (or threat of) on new cars have pushed used car prices towards ridiculous numbers. I occasionally show up at auctions to gauge market trends, and a 2017 VW Jetta with 133k miles hammered at $11k. Plus auction fees and transport, it’ll be $12k, and that’s before the dealer has done any repairs or made a dollar of profit. Pre-COVID, an 8-year-old Jetta would be $2k tops. But people keep paying it. My market share has risen about 40% since January.”

17. Storage Rentals

“We’re basically paying rent for our junk to live a better life than we do.”

“At my old company shortly after we'd all gone remote in 2020, a group of a few employees all quit at the same time to form a partnership and buy this little chain of storage units from an old guy who wanted to retire. Most of us thought they were insane for giving up great stable corporate careers to own some storage units. They're laughing at us now, in five years they've grown it several times over into one of the largest storage businesses in the metro area of millions of people.”

18. Mortuary Services

"Dead people. There are more dead people than ever."

"A family member is a Mortician by education, and though he has since retired out, he made great money doing it."

@retseleve #foryoupage #foryouofficial #mortician #embalmer #mortuaryschool #mortuaryscience #funeral ♬ Romantic Classical Piano Solo - FREDERIC BOUCHAL
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Dad swears by this money-saving alternative to 'stressful' AP classes

"Skip AP completely. Don't even bother.”

@imperfectdad/TikTok

This could save so much time and money.

On paper, AP classes, aka Advanced Placement courses, seem like a great opportunity to help teens get ahead. They get an early taste of college-level curriculum while earning college credit before high school ends, and therefore get advanced placement once actual college rolls around.

But one dad argues that in reality, they are a waste of time and money, and suggests a rather brilliant alternative:

“If you have a kid in high school, I'm going to tell you right now, do not put your kid in AP classes,” began content creator “Imperfect Dad” in a now-viral clip posted to TikTok.

@imperfectdad__ Save money on college, do dual enrollment not AP classes #college #money ♬ original sound - ImperfectDad | Husband | Life

“It's going to be a complete waste of their time, and you're going to stress them out for no reason,” he continued.

His advice? Instead, opt for dual enrollment at a nearby college.

While most high schools don’t advertise this option as much as they would for AP classes, Imperfect Dad explained that, “Your high school probably has a dual enrollment program with your local community college, meaning your kid can take college-level classes, and they will actually take over for some of their high school classes.”

There are a few advantages to this method, Imperfect Dad argues. One, there’s far less pressure than with AP classes (which many experts and AP survivors can attest to). Two, not every college accepts AP classes for credit, making the pressure even more unnecessary. Three, the amount of time and money saved is, as Imperfect Dad put it, “immeasurable.”

@imperfectdad__ Replying to @Erik Alvarez some of them were stressed! #college ♬ original sound - ImperfectDad | Husband | Life


He of course speaks from experience, as he initiated this strategy with his own daughter. In lieu of AP classes, she did dual enrollment, only attending one class, and racking up so many credits that now, one semester later, she’s starting her FIRST day of college as a junior.

“This first semester, she has one class. It's like a 2000-level class. And then everything else is right toward her major. You're going to save yourself a lot of money. Do the dual enrollment classes. Skip AP completely. Don't even bother,” Imperfect Dad concluded.

Down in the comments, thousands were inclined to agree. Many of whom chose this path and reaped the benefits.

“As an AP teacher…..this is pretty much true,”

“I did this. Got into UCLA and now have a Doctorate in Pharmacy,”

“My son is doing dual enrollment and graduating with an Associates and an HS diploma!”

There were also plenty of folks who shared their own horror stories of taking AP classes and now wishing they hadn’t.

“I took 6 AP classes in high school and not a single credit applied to my college transcript."

However, as useful as dual enrollment can be, it’s worth knowing some of the disadvantages as well. For example, some private and out-of-state colleges might be more stringent in their transfer policies, so it still behooves students to check. Second, if a student does not do well in a dual enrollment class, that grade will travel with them throughout their college career. Third, there might be some difficult travel logistics to contend with, depending on where the nearby community college is. Fourth, not every high school offers dual enrollment.

- YouTube www.youtube.com

Still, many parents just like Imperfect Dad might find that the pros far outweigh the cons, which is why more parents and students should know about the option!

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