Debt-Free Degrees & Trade Pathways

How the Universal Life Fund unlocks every career route—college or skilled trades—without student-loan shackles

For too long, higher education meant debt. Today’s average four-year graduate leaves school owing $34,000. Meanwhile, trade-school graduates often enter the workforce with little to no debt and earn competitive wages. In this chapter, we explore how a birthright fund seeds education credits for both college and vocational training—letting each person choose the path that fits their passion and pocketbook.

Key Concept: 30% of new jobs are skilled trades—yet only 5% of high-schoolers pursue them.

Did You Know? Average trade-school cost: $5,000–$15,000. Average starting salary: $50K+.

Which career paths excite you most—academic or hands-on?
  
What barriers keep students from skilled trades in your community?
 

Key Takeaways  

- Student-loan debt averages $34K per graduate.  

- Trade certificates cost a fraction and yield strong earnings.  

- Birthright credits cover tuition, tools, and internships—no applications required.

Action Steps  

1. Survey three friends/family about their education debt vs. trade interests.  

2. Contact a local trade school or community college for program costs.  

3. Share a summary of findings with your network to spark dialogue.

6. Up Next  

Coming next: **Building Learning Credits in Your Life Account**—learn how birthright education grows over time and funds lifelong learning.

Links

Join our vibrant community and ignite your journey toward better living! Subscribe to my YouTube channels and follow my social media for free, empowering content on wellness, fitness, mindfulness, and personal growth. Everything you need to inspire your day is just a click away—and for those who want to take it a step further, small contributions help fuel my passion and support the production of even more quality content. Jump in now to learn, connect, and thrive while playing a vital role in growing our creative family.

Thank you for your engagement, likes, follows, and shares! I'm truly grateful for your support on this wellness journey. Please note that I incorporate affiliate marketing links into my posts to help fund the creation of future content and to continue providing valuable information.

Discover a holistic approach to wellness, learning, and personal growth with Michael's diverse platforms but start the journey at ThriveWellForLife.com. ThriveWell for Life is a holistic wellness platform designed to empower individuals to embrace natural living, personal growth, and sustainable health for longevity. A platform dedicated to holistic wellness, fostering natural living, personal growth, and sustainable health to promote longevity. The website offers transformative content, including an eBook, blog, podcast, and courses, guiding users through nutrition, movement, mindfulness, and sustainability. ThriveWell for Life also fosters a community-driven approach, encouraging engagement through memberships, newsletters, and social media interactions. Whether you're looking for expert fitness guidance at FitnessByMichael.com, rejuvenating massage therapy at Michael4Massages.com, or natural aromatherapy products through NaturesNookShop.com, Barefut, naturescure, and NaturalNook.link, there's something for everyone. Enhance your mindset and learn about your astrological sign with AffirmationHaven.com, sharpen your learning skills at QuizWizMaster.com, and explore curated wellness resources at ThriveWell.in and Wellness411Warehouse.com. Stay inspired through Michael’s thought-provoking blogs, Miles Voice and MilesVoice.blogspot.com, where insights on life, health, and personal development come to life. Powered by AI and designed for meaningful impact, each site offers unique subscription-based services and e-commerce opportunities tailored to elevate your lifestyle. I am developing a project to help with Universal life occurrences like college, buying a house or retirement. My project focuses on assisting with major life events, such as pursuing higher education, purchasing a home, or planning for retirement.  Universal Life Fund

 Why are we celebrating Independence Day?

I've been getting responses to my posts and blogs from MAGA supporters and others. They're echoing what Trump and the GOP are saying—that the Big Ugly Bill won't strip Medicaid, SNAP, Medicare, or Social Security, but will instead target freeloaders, immigrants, and able-bodied people who should work. I just wish people would do some research or educate themselves before speaking. From experience, I can tell you that they already require work to receive Medicaid and SNAP. Immigrants aren't receiving Medicaid, SNAP, or Social Security because they aren't citizens yet.

Other aspects of the Big Ugly bill include over $40 billion in ICE funding, allocations for the wall, funding for illegal concentration camps without access to water, bathrooms, or food where millions are already being spent, and provisions allowing Trump to bypass the judicial system, granting him power over all branches.

Are we there yet?
Are we there yet?
I was there in his first failed term. I knew he was going on a revenge tour. I knew he, Heritage Foundation and Project 2025 would eliminate the guard rails. SCOTUS started giving him immunity above the Constitution. I knew he was pissed because he doesn't like being called a loser or being held accountable or paying his debts. He's a failed businessman. He has filed bankruptcy too many times. He has hurt many small businesses.

We're past and it's only been 6 months of this failed Administration with a loser convicted felon who actually lost the election. He knows he lost. Elon Musk knows Trump lost the election. Russia and Putin are his cohorts in election fraud.

Are We There yet?
Have we passed the FA FO?
Can we stop this madness and fascist loser wannabe dictator? The answer is YES!

We just have to join together and stand up against him. Our Judicial System is failing. Our military isn't upholding their oath to protect and defend our country and the Constitution. We know that MAGA Mike and The House GOP are bending the knee. Hey, they're actually bending over backwards and taking it without lube. The Senate literally failed its responsibility. Senate like The House has failed its responsibility. We elect them to work for we, the people, not we, the oligarchs, or we, the corporations.

We must protest and stand up for what’s right! We’ve faced challenges like this before, and we can overcome them again. We left behind kings, tyranny, and oppression for a reason.

This isn’t about Right vs. Left or Republican vs. Democrat.

It’s about a democratic society versus a fascist one.

It’s about right versus wrong.

It’s about celebrating freedom and independence, which is why today is called Independence Day!

Are We Art?
https://michaelsvoice.wordpress.com/2025/02/06/are-we-art-2/

"Thank you for visiting my site and taking the time to read and share my content. Your support means a lot and helps me continue to provide valuable information."

https://milesvoice.com

“This Is Why We’re Here — And Why We Can’t Be Silent Now”
https://milesvoice.com/2025/07/04/this-is-why-were-here-and-why-we-cant-be-silent-now/

The System Wasn’t Broken—It Was Built This Way
https://michaelsvoice.wordpress.com/2025/06/30/the-system-wasnt-broken-it-was-built-this-way/

🎙️ New from @MilesVoice
What if life wasn’t something to survive—but something you were supported to build?
Our new blog series, From Burden to Birthright, is live. And it starts with one bold idea: systems can be redesigned to work for people.

https://michaelsvoice.wordpress.com/2025/06/29/from-burden-to-birthright-reclaiming-the-right-to-thrive/

Links

Join our vibrant community and ignite your journey toward better living! Subscribe to my YouTube channels and follow my social media for free, empowering content on wellness, fitness, mindfulness, and personal growth. Everything you need to inspire your day is just a click away—and for those who want to take it a step further, small contributions help fuel my passion and support the production of even more quality content. Jump in now to learn, connect, and thrive while playing a vital role in growing our creative family.

Thank you for your engagement, likes, follows, and shares! I'm truly grateful for your support on this wellness journey. Please note that I incorporate affiliate marketing links into my posts to help fund the creation of future content and to continue providing valuable information.

Discover a holistic approach to wellness, learning, and personal growth with Michael's diverse platforms but start the journey at ThriveWellForLife.com. ThriveWell for Life is a holistic wellness platform designed to empower individuals to embrace natural living, personal growth, and sustainable health for longevity. A platform dedicated to holistic wellness, fostering natural living, personal growth, and sustainable health to promote longevity. The website offers transformative content, including an eBook, blog, podcast, and courses, guiding users through nutrition, movement, mindfulness, and sustainability. ThriveWell for Life also fosters a community-driven approach, encouraging engagement through memberships, newsletters, and social media interactions. Whether you're looking for expert fitness guidance at FitnessByMichael.com, rejuvenating massage therapy at Michael4Massages.com, or natural aromatherapy products through NaturesNookShop.com, Barefut, naturescure, and NaturalNook.link, there's something for everyone. Enhance your mindset and learn about your astrological sign with AffirmationHaven.com, sharpen your learning skills at QuizWizMaster.com, and explore curated wellness resources at ThriveWell.in and Wellness411Warehouse.com. Stay inspired through Michael’s thought-provoking blogs, milesvoice.com and MilesVoice.blogspot.com, where insights on life, health, and personal development come to life. Powered by AI and designed for meaningful impact, each site offers unique subscription-based services and e-commerce opportunities tailored to elevate your lifestyle.  Universal Life Fund

 “This Is Why We’re Here — And Why We Can’t Be Silent Now”

To the MAGA crowd.
To those who stayed home in the last election.
To those who protested the Democrats but let democracy bleed.
And to the so-called Christians who turned away from the hurting—

Let me be clear: you are the reason we’re here.

 The Heart of the Message:

You are the reason Donald Trump rose to power.
You are the reason his administration and party enacted policies steeped in cruelty.
You are the reason families were ripped apart, children locked in cages,
and barbed-wire detention camps rose from dust with no food, water, or toilets.

You are the reason 17 million Americans now face losing their Medicare, Medicaid, Social Security, and SNAP.
You are the reason millions of children are hungry and more will die needlessly.

This is the legacy of apathy. Of complicity. Of silence disguised as strategy.

We can’t allow it anymore.

Trump and the extremists clinging to him aren’t just running a party. They’re driving a campaign of fear, repression, and erasure. They want to rewrite history, whitewash accountability, and vilify anyone who remembers how this country was truly built.

Let’s say it plain:
This land was stolen from Indigenous people and Mexico.
It was built by enslaved Africans and exploited immigrants.
We are not the original ones.
And that’s why they fear the truth in classrooms — because truth leads to transformation.

But we don’t have to build a nation on hate. We can build it on memory, growth, justice, and joy.

We can become the country that learns, that listens, that tells the truth and acts like it matters.

 Call to Action

 Vote like lives depend on it — because they do.
 Speak up when lies become law.
 Stand beside those who are targeted — not behind them.
 Support truth in education, media, and history.
 Invest in movements, not just moments — fund justice with your dollars and your voice.

Your silence will not protect you. But your action might protect all of us.

The next election isn’t just political.
It’s moral. It’s human. It’s now.

---

 Suggested Byline

By Michael M
Founder, Universal Life Fund | Voice Behind Miles | Builder of Better Systems

Links

Join our vibrant community and ignite your journey toward better living! Subscribe to my YouTube channels and follow my social media for free, empowering content on wellness, fitness, mindfulness, and personal growth. Everything you need to inspire your day is just a click away—and for those who want to take it a step further, small contributions help fuel my passion and support the production of even more quality content. Jump in now to learn, connect, and thrive while playing a vital role in growing our creative family.

Thank you for your engagement, likes, follows, and shares! I'm truly grateful for your support on this wellness journey. Please note that I incorporate affiliate marketing links into my posts to help fund the creation of future content and to continue providing valuable information.

Discover a holistic approach to wellness, learning, and personal growth with Michael's diverse platforms but start the journey at ThriveWellForLife.com. ThriveWell for Life is a holistic wellness platform designed to empower individuals to embrace natural living, personal growth, and sustainable health for longevity. A platform dedicated to holistic wellness, fostering natural living, personal growth, and sustainable health to promote longevity. The website offers transformative content, including an eBook, blog, podcast, and courses, guiding users through nutrition, movement, mindfulness, and sustainability. ThriveWell for Life also fosters a community-driven approach, encouraging engagement through memberships, newsletters, and social media interactions. Whether you're looking for expert fitness guidance at FitnessByMichael.com, rejuvenating massage therapy at Michael4Massages.com, or natural aromatherapy products through NaturesNookShop.com, Barefut, naturescure, and NaturalNook.link, there's something for everyone. Enhance your mindset and learn about your astrological sign with AffirmationHaven.com, sharpen your learning skills at QuizWizMaster.com, and explore curated wellness resources at ThriveWell.in and Wellness411Warehouse.com. Stay inspired through Michael’s thought-provoking blogs, MichaelsVoice.wordpress.com and MilesVoice.blogspot.com, where insights on life, health, and personal development come to life. Powered by AI and designed for meaningful impact, each site offers unique subscription-based services and e-commerce opportunities tailored to elevate your lifestyle. Universal Life

  Reinventing Education: From Burden to Birthright in Every Classroom

 How a Universal Life Fund ensures every student—from K–12 to trade school—learns without financial fear  

What if a child’s potential wasn’t limited by their zip code or their family’s wallet?  

In today’s schools, programs like free and reduced-price lunch patch gaps—but they don’t solve the root problem: education is treated as an expense to be managed, not a right to be guaranteed. When families worry over college tuition, overwork just to cover fees, and bypass trade careers for debt-laden degrees, our society pays the price in unfulfilled potential and stalled innovation.  

The Universal Life Fund reframes learning as a birthright and bundles every educational investment into one secure, lifelong account.  

The Broken Patchwork of K–12 Support  

Every day, millions of students rely on subsidized lunches just to focus in class. Federal funding covers less than half of the cost for many districts. Extracurriculars, field trips, STEM labs, art supplies—they’re paid for out of pocket or skipped altogether. That means experience gaps widen even before graduation.  

The Rising Tide of Student Debt  

On average, a four-year public university costs $25,000 per year in tuition and fees. Private institutions can double that. The result? 45 million Americans carry student loan debt, averaging $34,000 each. Too often, families postpone homeownership, delay having children, or take the first job that pays—not the one they love.  

Vocational Training vs. the “College or Bust” Mindset  

We glorify bachelor’s degrees—even though 30 percent of new jobs are in skilled trades like plumbing, welding, or electrical work. Trade school tuition can be as low as $5,000 for a certification, and graduates often earn salaries comparable to—or higher than—entry-level college graduates. Yet stigma and lack of guidance steer students toward debt, not the trades that fuel our infrastructure.  

How the Universal Life Fund, Education Pillar, Fixes This  

1. Seeded Education Credits at Birth  

   Each person’s digital Life Account includes an education sub-fund, indexed to cost-of-living. From day one, families know they have resources to cover K–12 enrichment and beyond.  

2. Automatic Support for K–12 Gaps  

   Instead of free-lunch applications and piecemeal grants, schools draw directly from community-backed funds to provide meals, supplies, and after-school programs—no stigma, no paperwork.  

3. Choice of Pathway—College or Career  

   Graduates unlock grants for accredited trade certifications, associate degrees, or four-year universities. Students choose the path that fits their passions, not the path driven by available loans.  

4. Re-Skilling and Continuing Education  

   In a rapidly changing economy, workers can tap into lifelong learning credits for coding bootcamps, management courses, or healthcare certifications—kept within their Life Account.  

The Impact of Treating Education as a Right  

When every learner has guaranteed access to meals, materials, and mentoring, attendance and engagement rise. Communities see lower dropout rates, stronger local workforces, and dynamic small-business growth fueled by skilled tradespeople and entrepreneurs alike.  

By reframing education funding from burden to birthright, we invest in brighter individual futures—and a more resilient, innovative society.  

---

Next Up: We’ll dive into healthcare—the second pillar of the Universal Life Fund—and unpack how proactive wellness coverage can save lives and dollars alike.  

🎙️ New from @MilesVoice

What if life wasn’t something to survive—but something you were supported to build?

Our new blog series, From Burden to Birthright, is live. And it starts with one bold idea: systems can be redesigned to work for people.

https://michaelsvoice.wordpress.com/2025/06/29/from-burden-to-birthright-reclaiming-the-right-to-thrive/

"Thank you for visiting my site and taking the time to read and share my content. Your support means a lot and helps me continue to provide valuable information."

The System Wasn’t Broken—It Was Built This Way

https://michaelsvoice.wordpress.com/2025/06/30/the-system-wasnt-broken-it-was-built-this-way/

Links

Join our vibrant community and ignite your journey toward better living! Subscribe to my YouTube channels and follow my social media for free, empowering content on wellness, fitness, mindfulness, and personal growth. Everything you need to inspire your day is just a click away—and for those who want to take it a step further, small contributions help fuel my passion and support the production of even more quality content. Jump in now to learn, connect, and thrive while playing a vital role in growing our creative family.

Thank you for your engagement, likes, follows, and shares! I'm truly grateful for your support on this wellness journey. Please note that I incorporate affiliate marketing links into my posts to help fund the creation of future content and to continue providing valuable information.

Discover a holistic approach to wellness, learning, and personal growth with Michael's diverse platforms but start the journey at ThriveWellForLife.com. ThriveWell for Life is a holistic wellness platform designed to empower individuals to embrace natural living, personal growth, and sustainable health for longevity. A platform dedicated to holistic wellness, fostering natural living, personal growth, and sustainable health to promote longevity. The website offers transformative content, including an eBook, blog, podcast, and courses, guiding users through nutrition, movement, mindfulness, and sustainability. ThriveWell for Life also fosters a community-driven approach, encouraging engagement through memberships, newsletters, and social media interactions. Whether you're looking for expert fitness guidance at FitnessByMichael.com, rejuvenating massage therapy at Michael4Massages.com, or natural aromatherapy products through NaturesNookShop.com, Barefut, naturescure, and NaturalNook.link, there's something for everyone. Enhance your mindset and learn about your astrological sign with AffirmationHaven.com, sharpen your learning skills at QuizWizMaster.com, and explore curated wellness resources at ThriveWell.in and Wellness411Warehouse.com. Stay inspired through Michael’s thought-provoking blogs, MichaelsVoice.wordpress.com and MilesVoice.blogspot.com, where insights on life, health, and personal development come to life. Powered by AI and designed for meaningful impact, each site offers unique subscription-based services and e-commerce opportunities tailored to elevate your lifestyle.