In 2005, Steve Jobs gave a memorable commencement speech at Stanford University. He famously advised graduates to “follow your heart.”

His exact words were:

“Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma – which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition.”

✨ Oh boy, do I LOVE this speech for SO many reasons!

However, as a financial educator and coach who works with individuals of all ages, including university students and adults looking to pivot their careers, I want to share some important thoughts…

Yes, I do believe in following your heart and intuition; after all, life is short. But I ask you to reframe this notion in a strategic way, particularly when you consider the cost of higher education in today’s world.

This is the thing…

Choosing a major or a new career path is a HUGE decision, particularly with the rising costs of higher education.

That’s why it’s essential to consider the real cost of following your dream, whether right out of college or when switching careers.

​Let me share a bit of my story.

I am a creative at heart and have always loved writing. However, I realized that pursuing those passions right away wouldn’t provide for my family and dreams.

So, I chose a path that allowed me to build a solid financial foundation first. This decision eventually gave me the freedom to leave my career and focus on my true passions: teaching financial literacy, empowering individuals on their financial journey, and becoming a published author.

Yes, it took time, but it has 100% been worth it! 🚀

Two Helpful Tips: 


1️⃣ Evaluate Potential Earnings: Compare the minimum wage earnings to what your degree or new career path might bring. This can help you understand the financial viability of your choices.

2️⃣ Analyze Current Expenses: Don’t forget to account for your existing expenses, including educational loan repayments. This will give you a clearer picture of your financial situation.

Yes, the numbers can be startling! But remember, friends, there are seasons both in life and in our finances.

​So, choose a path that allows you to build a solid foundation to pursue your true dreams when you’re ready.



This article was written by our partner coach, Anna Orenstein-Cardona, founder of Wear Your Money Crown®, an empowering, woman-owned financial education and coaching firm that is passionately dedicated to bridging the financial inequality gap and transforming lives through education. Whether you are an individual seeking the confidence and know-how to achieve financial well-being or an organization aiming to promote financial wellness, Anna is dedicated to supporting your goals and aspirations.

You can contact her via or via her profile page HERE.