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Michael Ratliff

2,160

Bold Points

1x

Finalist

Bio

My goal is to become an accountant, one that is very good at it. My passion is mental health, and I believe that we need to all strive to care for all people.

Education

High School
2020 - 2025

Miscellaneous

  • Desired degree level:

    Bachelor's degree program

  • Majors of interest:

    • Accounting and Computer Science
    • Business, Management, Marketing, and Related Support Services, Other
  • Not planning to go to medical school
  • Career

    • Dream career field:

      Accounting

    • Dream career goals:

      Public services

      • Volunteering

        Homeless Shelter — Doing anything that needed done.
        2024 – Present
      Overcoming Adversity - Jack Terry Memorial Scholarship
      I've always found inspiration in Jack's incredible story and the stories of others like him who have faced tough challenges and come out on top. Their journeys resonate with me, especially as I deal with my own issues. It’s a powerful reminder that perseverance can lead to triumph, no matter how overwhelming the circumstances may seem. Having been homeschooled and raised in a low-income family, I get firsthand experience of just how hard it can be to chase after higher education. My parents worked tirelessly to support us, but their limited financial resources meant that my education came with its own set of challenges. With their unwavering love and support, they taught me the importance of hard work, but now, as I stand on the threshold of college, I’m faced with some big financial hurdles. Right now, I’m grappling with these financial barriers that could put a serious dent in my college dreams. Even though FAFSA (the Free Application for Federal Student Aid) has been a bit of a lifeline, providing some assistance, it hasn’t covered nearly enough to tackle the rising costs of tuition and other expenses. The reality is, without scholarships, I’m honestly worried about how I’ll manage to afford college. I’ve been actively searching for scholarship opportunities, applying to whatever I can find, hoping that something will come through. I know how vital it is to find ways to make my education affordable, and I’m determined to pursue every option available. Despite these challenges, I’m fueled by the belief that education can change lives and that mine can make a difference. I’ve seen how others have used their degrees to help those in need, and that’s exactly what I aim to do. If I can navigate these obstacles and earn my degree, I want to dedicate my life to giving back, supporting others who may be in similar situations. It’s not just about me getting my education; it’s about creating a ripple effect that can empower others. I firmly believe that with the right support and dedication, I can turn my aspirations into reality. The path may be rocky, but the potential impact drives me forward every day. I’m ready to take this journey, no matter how challenging it may be, because I know in my heart that it will be worth it, not just for me but for the lives I hope to touch along the way.
      Scorenavigator Financial Literacy Scholarship
      I have developed financial responsibility as a result of my challenging circumstances. While I may not be from a wealthy family, I have always been fortunate enough to avoid hunger; however, luxuries are simply not an option for me. I never received weekly monetary gifts. Everything I wanted that was non-essential had to be earned through hard work and determination, necessitating that I purchase it myself. In my free time, I dedicate myself to working as much as possible to boost my income. This commitment to hard work has inspired me to save the money I earn. In the past, my spending habits leaned toward frivolous and unnecessary purchases, primarily because I received money as gifts rather than earning it. However, as I grew older and embraced the value of working for my money, I became more focused on finding effective ways to save. The most valuable lesson I’ve learned about saving money is that having a clear financial goal can transform your mindset. Before I set a specific aim, I lacked the motivation to put away my earnings; I was simply drifting. Now that I have my sights set on a college education, a goal that requires me to contribute significantly due to my parents' financial constraints, my perspective has shifted completely. This ambition has inspired me to work harder than ever. Rather than squandering my money on trivial purchases, I’ve committed to saving every dollar I can. With each little bit I stash away, I feel a growing thrill about my financial progress, which motivates me to continue seeking out new ways to save. By focusing on my goal, I’ve not only made saving a priority but also discovered the satisfaction and excitement that come with reaching financial milestones. I firmly believe that my early lessons in financial responsibility will equip me for future success. Understanding how to manage finances has instilled in me the importance of saving money and steering clear of debt. As I look ahead to college and my career, being diligent about saving will be essential to navigating today's high-cost living. By conscientiously avoiding debt, particularly credit card debt, I can save a significant amount of money. While it may seem challenging to have limited financial means, especially during college, I am confident that these experiences are preparing me for a successful future. Without this foundation of financial responsibility, I could find myself in a precarious situation.
      Michael Ratliff Student Profile | Bold.org