The Cycle of Campus Broke Culture

If you walk across any campus, you’ll notice the same thing: most students are always broke. The common excuses range from “my allowance hasn’t dropped” to “I’m waiting for home.” This cycle continues because many students depend solely on pocket money or stipends, instead of building income streams. The truth is, 90% of students are broke not because they lack money, but because they lack a money-making mindset. Breaking out of this cycle requires rethinking how you view money.

Why Most Students Stay Broke

The average student spends more than they earn, often on food, fashion, or entertainment. Many rely on “urgent 2k” culture, which is basically begging. Others spend hours online without realizing they can monetize that same internet time. Without a hustle, it’s impossible to keep up with expenses on campus. This is why the majority remain broke. Being in the top 10% means taking a different approach: earn first, spend later, and invest in businesses that grow.

Shifting Into the Top 10%

The students who make real money on campus are those who combine their skills with real opportunities. They run hustles like food sales, tech freelancing, delivery services, or importation. They understand that consistency, not allowances, builds financial freedom. These students use the same 24 hours everyone has, but instead of waiting for help, they create solutions and get paid. Joining this group means being willing to sacrifice leisure for a hustle that pays off in the long run.

Building Financial Discipline Early

Making money is one thing, but keeping it is another. The top 10% of students don’t just earn, they reinvest. Whether it’s buying more stock, upgrading their service, or learning a new skill, they channel their profits into growth. By the time most students are still broke during final year, the smart ones are already financially independent. To be in this group, you need discipline, creativity, and a willingness to start small today.

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