WSJ Economic Analysis

College ROI vs Direct Workforce Wealth Calculator

“College no longer feels like a good deal for high-school graduates, so they are heading straight into the workforce,” per WSJ cited by @unusual_whales.
Presets:
Simulation Inputs
$25,000
5.5%
$45,000
$65,000
$30,000
4.0%
Workforce 10-Yr Net Worth
$182,400
Direct career head start
College 10-Yr Net Worth
$142,100
Post-debt cumulative savings
Break-Even Point
Year 8
Annual cashflow overtakes Y5
📊
Workforce leads for 7 years; college graduate overtakes in year 8.
10-Year Net Worth Trajectory (Cumulative Savings & Debt) â–  Workforce    â–  College Graduate
Annual Cash Flow & Net Worth Ledger
Year Workforce Salary Workforce Net Worth College Status / Salary Debt Balance College Net Worth Trajectory Leader
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