What Do I Do If I Haven't Saved Enough to Pay for All Four Years of College?

Host Sally Ganga opens this episode with Ben Baum, Vice President of Enrollment at St. John's College, and Maggie McGuinness for an in‑depth look at what makes St. John's a truly distinctive institution. With two campuses and a reputation for "great books and great conversations," St. John's centers its entire academic experience on small classes and shared inquiry. Rather than offering traditional majors or interdisciplinary programs, the college rejects the idea of academic disciplines altogether—every student reads the same texts and wrestles with timeless questions like "How do I live a good life?" Ben and Maggie discuss why this approach can be powerful for students, the skills it develops, and the outcomes graduates experience. In the second segment, Sally is joined by finance expert Zachery Gries to address a common concern for families: what to do if you don't have enough money saved to cover all four years of college. Zachery walks through different ways families pay for college, the need to reassess resources as a student progresses (since costs and need‑based aid can change), and the tradeoffs between maintaining flexibility and making choices that could reduce overall costs.