Actually, colleges DO NOT look for expensive activities. (In fact, kids who go on missions in far away countries when they never seem to realize there’s poverty in their hometown are NOT appreciated at all).
A job is a strong EC (especially if you keep the same for a while and can write eloquently about it, whether the tasks or the people you meet and the things you learn). Volunteering to help an animal shelter or a retirement home or at church/temple/mosque isn’t costly nor difficult to find. Making a positive impact on others is a personality feature, being aware of your gifts (be they music, chess, sports) and participating in school or city tournaments depends on your own inner drive. Granted you can’t play travel soccer and won’t be spending the summer in France or China, but adcoms don’t care.
The fact you want to major in biochemistry doesn’t mean you ought to do just biochem. If you get a volunteer role in a science lab (any science) you’re good on that front.
So, decide on 2 or 3 activities and do them thoroughly, starting now.
Keep an eye out for Questbridge: https://www.questbridge.org/high-school-students/national-college-match
You’ll need to start working on that application as soon as it is posted.
They’re a program that partners with the 40 most elite universities in the country. If you’re selected AND you match, you get a 4-year full ride scholarship.
You’re 100% correct that taking a billion Aps, AICE, DE classes is pointless - and even counterproductive.
You need a TOTAL of 6 classes per semester.
A MWF or TTH college class normally equals a MTWTHF HS class because there’s less contact time but way more homework and way less handholding. No one to remind you there’s a test or a paper due - you have a syllabus, you can read, you should have marked it in your semester planner when you got the syllabus. And no mini quiz if the class bombed the test - some classes have a 71 test average and the professor doesn’t feel bad, s/he feels mad the class studied so poorly.
Yes, Philosophy is seen as a strong, rigorous class. (Philosophy honors even more so). You could ask your GC whether it’ll fulfill the “Humanities/English” requirement since basically it’s reading and writing but at a whole other level compared to literature.
Colleges look at gross income. Everybody has to pay taxes.
CSS PROFILE is a very complete form where you enter each parent’s income as well as their partner/spouse + any investments, bonds, cars, etc + equity on house if you own one (or more) + if small business owners the value of your business. It’s very tricky for kids whose parents are divorced and small business owners, but very easy for kids who have single parents or married parents who rent a house/apartment and are employed by someone.
Alas, top colleges are “lottery schools”. You can’t “secure a spot”. It’s just not possible. Hopefully you WILL get in and will get into more universities to boot, but no one can predict that, unless they lie through their teeth. Any university with an acceptance rate 25% and below is “reach for everyone”.
You need to find two safeties first.
Since you like Vanderbilt, what do you like about it?