Podcasts

EP#86: Beyond College: How One Mom Helped Her Daughter Build a Dream

Emilie Stack and her mother, Erin Stack, Co-Owners of Emilies Coffee House and Wine Bar

Summary:

In this special Mother’s Day episode of the No Loan Zone podcast, host Janet Maltbie sits down with Emilie Stack—owner of Emilie’s Coffee House and Wine Bar in Avon Lake, Ohio—to explore an inspiring alternative to the traditional college route.

With the unwavering support and partnership of her mom, Emilie skipped college to follow her entrepreneurial passion straight out of high school.

Together, they transformed an old bank into a vibrant community hub, fostering an atmosphere centered on real conversation—no laptops allowed on weekends!

Here’s what you’ll find in this episode:

🚫 Ditching the College Path
Not everyone learns best in a classroom. Emilie talks candidly about her decision to skip college and dive into real-world experiences instead, from working at local cafes and pizzerias to opening her own business at just 18. Her message? It’s okay not to know your path at 17!

🤝 Lessons You Can’t Get in School
Emilie credits her mom not only with emotional encouragement but with practical business sense you can’t learn in a lecture hall. From finding the perfect location, guiding big decisions, to being an equal partner in this adventure, Mom’s role was (and is!) irreplaceable.

☕ From Comfort Zone to Community Hub
Emilie shares how her mom’s unwavering support helped turn a former bank building into a welcoming space for coffee, conversation, and community. Together, they handpicked furniture, set a “no laptops on weekends” rule, and prioritized real connection—making Emilie’s feel more like a home than any coffee chain ever could.

💬 Advice for Parents
Emily offers heartfelt advice: Don’t push college if your child’s not ready or interested. Consider trades, community college, or just give them time to figure things out. Most importantly, “look at your kid just as they are—and build on that.”

Ready for some inspiration—and maybe a happy tear or two?

Listen to the full episode, and if you’re ever in Avon Lake, stop by Emilie’s. She’s always up for a chat…and yes, she’ll give you a tour!

Happy Mother’s Day!
And if your student is feeling lost about careers or colleges, remember—Janet is just an email away at janet@lifeworkcareerservices.com.

P.S. Got thoughts or questions about alternative paths to success? Add a comment—we love hearing from you!

Connect with Janet Maltbie:


Podcasts

EP#85: Student Debt Solutions: Camden’s Alaskan Summer Job

Photo by Joris Beugels on Unsplash

Summary:

In this latest episode, I had the pleasure of speaking with Camden Chernisky, a 24-year-old from Cleveland who is choosing adventure over debt. Camden is heading to Alaska for a summer job, seeking financial independence and new experiences. Here’s what you can learn from his journey:

3 key takeaways:

🌟 Take a Leap of Faith: Camden emphasizes the importance of trying new things. Venturing into the unknown can be a rewarding experience both personally and financially.

💡 Explore Creative Financial Solutions: By working as a supervisor at the Princess Holland Tours Lodge, Camden is not only earning a steady income but also enjoying benefits like covered housing and meals, helping him save and manage debt.

🌐 Gain Experience and Adventure: Beyond the financial aspect, Camden values the opportunity to explore new locations, having previously lived in Columbus and Philadelphia. This Alaskan adventure adds another chapter to his life story.

If you’re considering alternative ways to pay for education or manage debt, Camden’s story might inspire you to explore similar opportunities. Listen to the full episode to embark on this journey with Camden and discover how unique paths can lead to financial freedom.

Connect with Janet Maltbie:


Podcasts

EP#84: Deciding Between College and Hands-On Experience

Summary:

I’m working with an Ohio high school student. He is about to graduate from high school and wondering if he should go to college or get a job. He’s also concerned about getting into debt. Is it best for him to go to college or get hands on practical experience instead? Can AI help him decide?

To find out I asked AI, Claude 3.7 Sonnet for help. It features a new step-by-step analysis to decision making. It considers factors you wouldn’t necessarily consider. I then uploaded the analysis to Notebook.lm and created this podcast. Listen to the recommendations or download the analysis below.

3 key takeaways:

🤝 Consider a Hybrid Approach: A hybrid approach career planning combines practical experience and structured learning. This can provide a well-rounded foundation for your career.

🌐Evaluate the Location and Industry landscape: Where you gain experience matters. Consider the surrounding environment and culture. It can significantly impact your opportunities.

📚 Upgrade your Skills and Knowledge: Technology and industry trends are constantly evolving. Staying adaptable and proactive about your own development is key.

Connect with Janet Maltbie: