The Biggest 'Money Mistakes' People Have Ever Made
While there might be some financially savvy unicorns among us who just seemed to "get it" since birth, most of us have had some mishaps with our wallets.
And in some cases, those financial lessons have been pretty expensive.
Redditor The_guy321 asked:
"What is the biggest money mistake you have ever made?"
A Big Life Change
"I took a job way up North in Canada. I quit my old job, got rid of tons of stuff, had my dad help sell my house, etc. This was in 2019/early 2020 just before the pandemic hit big."
"I ended up hating the job up North; it was terrible. I went back home and somehow managed to get my old job back, but my house is gone, and I can’t afford a new one in the current market."
"Stupid, idiotic decision on my part, and it keeps me up at night. I hate where I am in life right now. A stupid, big, and expensive mistake that I’ll regret for the rest of my life."
Sentimental Value and More
"My mom gave her original, 20+-year-old wedding ring to a jeweler to work it over and improve fitment (since it was too tight I think)."
"The jeweler f**king lost the ring in the mail. They sent it out without insurance and it never arrived at the place that was supposed to do the jeweler's work."
"She did not get her original wedding ring back, and all they offered her was 'a new one of equal worth.'"
"Honestly, that was the biggest f**k you to her. The best you can get in that situation is at least a ring visually similar to the original one, or one made to be identical to the original."
"Don't tell me 'copying an existing ring' is not possible, because the ring itself was very simple. Basically only metal, no diamonds or any other fancy rock, just metal with a groove in it and smooth edges."
"But no, their only offer to 'make up for it' was to choose a cheap looking one from their stock, basically saying 'we f**ked up but we won't put in any work to replace your ring; this is what we already have.'"
"Let alone the fact that the ring was 20+ years old and had a lot of sentimental value, because unlike my dad, my mom wore that ring all the time."
Student Loan Arrangements
"Spending all my student loan refund checks instead of saving those f**kers to, oh, I don't know, PAY OFF MY STUDENT LOANS."
Extra Funds Available
"Accepting larger loan amounts than I needed."
"Tuition, for me, was about $1200 a semester. But when you’re 18 and someone offers you $5,000 (which is more than you’ve ever had) and you don’t have to pay it back for years, you don’t hesitate to click accept the full amount."
"So yeah, I’m $20,000 in student loan debt when it could have been $10,000. Praying that student loan relief actually goes through but doubt it."
Attending College At All
"Going to college right out of high school. College is great if you know why you're there, but not for someone who isn't yet sure."
No Return on Investment
"I can't speak for everyone but when I was fixing to graduate high school back in 2000-2001, everyone thought college was the next step because literally no one ever told us anything different. Parents, teachers, school guidance counselors, and the culture. EVERYTHING was about pushing kids into the college pipeline."
"I literally thought everyone working trades were living in poverty until I was in like my mid-twenties because no one ever brought it up unless it was to disparage the whole idea of working for a living."
"Not my mistake, but my dad's. He bought like $500 worth of collectible Star Trek dinner plates in the 80s thinking they'd be worth a ton of money in a few years. They're not."
"I was at $1800 per month for alimony and child support for six years, but it was more losing half of the assets (including retirement savings) that was the killer."
"Oh well. It's in the past now and I'm in a much better place and happy rather than resigned to being miserable like I was for quite a few years until I decided to go through with it. I'm just going to have a late retirement (most likely) instead of early like I had hoped."
"As f**ked as it is, the financial expense is what got me to quit nicotine. I realized that I was spending $150 a month on disposable vapes and started comparing it to my other bills."
"I was paying more for my unhealthy addiction than my car insurance, or my utilities. Kinda hard to justify when you look at it like that."
Beyond Her Means
"My ex-wife was an expert at spending us into a black hole. She was a widow. We got engaged. The very next day, I told her to bring me all her debts, and then I wrote checks to pay them all off. $14,000."
"That became the pattern. She never saw a dollar she couldn’t spend before we earned it. She looked at things by what they cost each month and not by what they actually cost."
Someone Else's Debt
"I agreed to take over my ex-girlfriend's bills so that she could pay off her debts. Five years and over $100,000 of my money later, she was in more debt than when we started, and she was cheating on me."
"Don't ever do this. Just make her be an adult or dump her. It's never worth it."
Just One More Semester
"I paid for my ex-girlfriend's college tuition for three semesters as she 'just one semester left'-ed me for all three."
"That was AFTER she got a letter stating she was no longer eligible for the Pell Grant or further loans. So, the banks said, 'No more,' but I paid for another year and a half, while also paying all the household bills and supporting her kid."
"We broke up, and she had the nerve to talk about what I supposedly OWE her."
Scammed by the Pound
"One of those Bootcamp-style gyms opened up within walking distance from our apartment. We wanted to get in shape and figured we'd check it out. It was run by a married couple who was really nice."
"Initial classes were very small but the exercise was great. The husband also did martial arts instruction so I was considering getting into that."
"They were doing a really reduced special to get a year membership so I went for it and paid half upfront. A few weeks later, I can't remember the conversation, but they asked for the remaining payment, and I said, 'Sure, why not?'"
"A little bit after that, they called and said, 'Sorry, but we opened the gym with a verbal agreement we would be getting a large number of karate students and that fell through, so we have to shut down. We will get your money back once we get settled after we move back home.'"
"I foolishly had paid for all this but never had even gotten a written contract or whatever. They just ended up ghosting me and stopped replying to everything."
Buying the Wrong Home
"I bought a mobile home as a starter home. No one ever explained to me as a young adult the importance of investment and future planning."
"Mobile homes of course do not hold nor increase in value so you never build equity. It's akin to renting except you have to cover all your own repair costs too."
"Terrible financial decision. Don't buy mobile homes kids. Just don't do it."
Helping a Friend Out
"I let her move in with me and then covered all of her living expenses so she could pay off debt. It only cost me a little more money since I was already covering 100% of my living expenses. Some of my bills like water went up a little and I voluntarily covered most groceries."
"I told her upfront that there are no hard feelings if it doesn't work out in the long run (and it didn't). I would have done the same thing for any close friend."
"I suggested her first step should be to save an emergency fund to protect herself if we break up because I would expect her to get the f**k out. And if she cheats on me, her stuff will be on the curb the same day."
"I'm a practical person. We had been discussing moving into together anyway. This way we see how things work out and she ends up with less debt. But I didn't put any money directly towards her debt. That would have felt like I was being taken advantage of."
"This wasn't completely selfless on my part. It seemed like we may have been headed for marriage and in that case, I would want that debt gone. It didn't happen for us but I'm still glad she got a little further ahead in life."
While some might argue that each of these were learning experiences that were worth experiencing, there's no denying that they were expensive lessons.
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Toxic Behaviors That Society Still Makes Excuses For
Why are we still putting up with societal and cultural BS?
Seems like society has backslid into allowing behavior we proved was unacceptable.
I guess the learning was only temporary due to the pandemic.
We make excuses for the worst people.
Call out bad behavior.
It's the only way we'll grow.
A deleted Redditor wanted to have a discussion about what we as a society need to eradicate, so they asked:
"What toxic behavior does society still make excuses for?"
Being rude to waiters, because I'm 'just demanding.'"
If you are... you're evil.
Doctor's NoteSick Season 4 GIF by FriendsGiphy
"Looks like we are quickly returning to the 'go to work even when you’re sick' way of thinking."
"That Family is allowed to not respect boundaries. It's something I see a lot and often trying to set healthy boundaries with them makes them treat you like the bad guy. And media and society tends to promote this behavior as love, when it's often actually dysfunction."
"There's a difference between being close and taking care of your loved ones and being expected to give up reasonable rights to personal space or to self sacrifice for them."
Not so Bad
"White collar crime. And it often appears that the more money involved in the crime and/or fraud, the less likely commensurate repercussions will be brought. The consequences of big money financial fraud are widespread and significant. It ruins many lives and often leads to the death of innocents."
To the BoneWorking Out Of Office GIF by This GIF Is HauntedGiphy
"Overworking and lack of sleep."
"Plus missing meals to work more."
Work. Work. Work. All the way to death. Welcome back to the office kids.
Hot/CrazyChristian Bale Oooo GIFGiphy
"The 'cute but psycho'; mentality. It’s not cute to be toxic or treat people like crap because you think it’s 'cute' or acceptable because of your attractiveness."
"That if you agree with a majority of people, you are correct."
"Not even the majority of people. If you can find people who share the same belief as you, it makes that belief even stronger. The internet has exasperated this problem."
"It use to be if you were into a niche taboo or out there conspiracy theory, you were pretty isolated. Now there are thousands of others who share the same thing connected from all over the world, so it’s no longer weird. In fact, it’s normal and everyone else is wrong. And they now have a thousand other people who will back them up on that!"
"Hustle Culture. You don’t need/have to monetise every moment of your private life to make more money - you don’t need a side gig or to start your own business or to turn your hobby into a job to be happy."
"It’s actually really scary that so many people get drawn into this way of living and don’t realise they’re literally missing the living part of their lives."
"Not to mention, turning it into a job can destroy it as a passion. I’ve talked to so many artists who, once they turned that hobby into a job, couldn’t even enjoy it anymore cause it felt like they were always working, even if they were just at home late at night doodling for fun."
"Mistaking partner's possessiveness for love/caring."
"Sooo true many girls of my age think that he is possessive of me because he cares about me. No Susan he isn't possessive because he loves you he is possessive because he sees you as an object solely accessible/unique to him."
MisdemeanorsCheck This Out Saturday Night Live GIFGiphy
"Filming someone making a mistake (not crimes) and posting them on the Internet, without censoring their names and/or faces, for them to be judged and humiliated."
"This weird culture where couples go behind each others backs and snoop through their phones is really weird to me. Especially when they get mad for not finding anything. Or when asked to see their phone they get defensive. Its very childish imo, especially when it's 30+ year olds doing it."
"How corporate America looks down on pregnant workers and having kids. All they see is decreased productivity instead of treating new parents or parents-to-be as humans. I know we’ve gotten better, but it’s still bad out there for a lot of people."
As usual, society falls backwards.
Former Christians Explain What Made Them Leave The Church
Why do people leave the Church?
So many reasons.
It's an important question the Church should look into further.
Attendance has been steadily declining for decades.
Society has evolved on so many issues and behaviors that the Church just seems to stay stagnant.
People aren't going to stay where they don't feel welcome.
Redditor UK_Jay wanted to hear from everybody who left the church in the rearview, so they asked:
"Ex-Christians, what made you leave church?"
I don't mind the Church, but once I was done with Catholic school, it was see ya. Bye.
Truthtruth preach GIFGiphy
"The fact that everyone wants to be a disciple of Jesus but don't do what Jesus told his disciple to do."
"Luke 6:46 'Why do you call me, ‘Lord, Lord,’ and do not do what I say?'"
"My high school religion teacher encouraged us to question our own faith. He told us that it was okay if we wound up walking away from our faith. But if we continued to believe despite his class, our faith would be that much stronger."
"One of the questions was, 'Do you believe because you actually believe, or is it because you were told to by your parents?' I finally decided that I was only Christian because of what my mom told me growing up."
"I wish every single Christian could have that religion teacher for a semester. That single semester was pivotal in my spiritual development."
"Had many friends and acquaintances that worked for the church and quit. Found out their reasons for quitting. The higher up staff did and forced my friends to do a bunch of corrupt crap. And if they didn’t, they 'Weren’t committed to the church enough, didn’t love God enough, weren’t willing to make sacrifices, will never make it in ministry.'"
"It broke my heart. I thought this was a place of love, and people who preached love. Haven’t trusted religion since. This church is a mega church in my area and keeps popping up more locations all over town. Makes me sick to my stomach every time I drive by."
Out of Focus
"The total hypocrisy of those I grew up around. Claim to be about love, spend most of their time hating people not like them. Claim to be about evangelism, literally only hang out with and talk to each other."
"Claim to be about giving, spend all of their energy focused on making more money for themselves."
"Not to mention they have conditioned themselves to avoid critical thinking at all costs. Must accept blind 'truths' at face value, OR ELSE."
For my sister...Phaedra Parks Bye Felicia GIFGiphy
"When my younger sister with Down’s syndrome was told she wasn’t eligible for communion despite taking all of the classes because she 'didn’t understand.'"
Family first. Help someone understand.
Damageheavy metal 90s GIFGiphy
"They damaged my mind. I always thought I would go to hell for things I like such as horror films, heavy metal and tabletop RPGs."
"the Lord spoke to me"
"Lack of answers, judgement, and hypocrisy mostly. I also read the Bible over and over and I just wasn't getting what other people were apparently getting out of it. Also everytime I prayed, nothing happened. Every now and then someone would be like 'the Lord spoke to me.' I always waited for something like that. It just never did."
"That lack of answers thing really bugged me the most though. I really wanted what I read in the Bible to be true but I just couldn't find anything to support most of it's claims. I was really sad for awhile. And scared that the devil tricked me. After awhile tho, I didn't believe in him either."
"They left me. My first partner and I grew up in the church together. We were seen as the golden couple in our youth group. Good, proper Christian couple. Said our prayers, worked with the less fortunate, youth work, worship, I even led sermons. Eventually we moved away to start a new life together. We then broke up. I then find that I'm being kicked out of groups on WhatsApp and Facebook, people are unfriending me on social media, all from the church."
"I found out she'd gone home first and started talking to people. I don't know what she told them, but none of the people I saw as my second family, this fellowship I'd felt so welcome in even came to me to talk. I was left alone. I reached out to multiple people to say I needed prayer because I was struggling. I got nothing. I felt abandoned by God and abandoned by his people. So I walked away from that life."
"I was a preteen locking myself in a dark closet because that's where I felt the closest to God - in the darkness. Like he was something that couldn't be seen - only felt. And I looked up into the nothingness of my closet ceiling after the millionth episode of physical and emotional abuse from my dad."
"I asked him to save me. God, not my dad. I was crying, screaming. Please. Please save me. I was just a kid. Surely I didn't deserve this. No one answered. And it occurred to me that anyone who could stop this and wouldn't, couldn't exist. So I stopped believing."
ThievesExplaining Season 3 GIF by The SimpsonsGiphy
"Preachers having massive homes while the people that go to the church struggle. It’s hypocrisy from the top down."
"I gave it up for Lent and never went back."
"I did the same thing with New Year's resolutions. As far as I know, I'm the only one who has ever kept a New Year's resolution."
These certainly were some interesting stories where people encountered a crisis of faith.
Do you have any similar stories? Let us know in the comments below.
People Reveal How They Felt When They Saw Their Partner Naked For The First Time
It's interesting what people are initially attracted to about a person.
Some are drawn instantly by one's appearance based on a person's general attractiveness or how they dress and groom themselves.
Others seem to be turned on by one's attitude–like how a person presents themselves in public and how much confidence they exude without an air of pretentiousness.
If and when the object of one's affection is romantically obtained, the way in which the next step in the relationship progresses could be a sexy success or a total deal-breaker.
Curious to hear strangers recalling a deciding moment, Redditor JokeRadiant3881 asked:
"How did you feel the first time you saw your partner naked?"
These were triumphant reactions.
For Lack Of A Better Word"I literally said 'woah' out loud."– ALIEN_Human_HYBRID
Romantic Thrill Ride
"Like a kid at Disney world. Hadn’t been on any rides yet but was excited to be there nonetheless."
"don't remember, no blood flow to my brain at that point."
Complete Looney Tunes
"Remember that cartoon dog where his jaw hits the floor, tongue rolls out, and his eyes bulge out to the sound of an old timey car horn? Basically that."
Confidence levels were challenged but these Redditors were pleased with the results.
We Are Not Equals
"Felt sorry for what I had to offer in return."
"Same! I’ve had four kids and had a lot of extra skin and sag. Man did NOT care. He seemed just as stunned as I was."
Embracing It All
"I felt the same way for a bit, with my hubby after baby. But every time I'm naked, even though I don't like where my body is at, he looks like he hit JACKPOT. So I feel better, knowing he thinks I'm hot, sexy, beautiful, even more so then before because I'm the mother of our child."
Physical endowments were admired.
Life In Real-D
"She had deceptively big boobs."
Object Appeared Larger Than Expected
"I felt like WOWZA im one lucky girl."
"Well, I’m 54 and got out of a marriage where my ex never felt comfortable being naked around me. My new fiancé has no problem getting naked and gives me a little show each morning she gets dressed. And she’s got an amazing body at 55!"
I'm very self-conscious when it comes to my body, but nothing says sexy like seeing the physical response from another man giving me a huge thumbs up, so to speak, after seeing me in my birthday suit.
Verbal affirmation isn't all that it's hyped up to be.
But body language? Now that is everything.
Mothers Explain How They'd Feel If The Father Asked For A Paternity Test
In every relationship, there are bound to be some tough conversations, like how to budget and deciding whether to move somewhere new.
But there are other conversations, like getting a paternity test or going through someone's phone, that potentially imply a lack of trust.
Redditor BlueSharker asked:
"Women, would you care if your husband wanted to do a quick, basic, cheap DNA test to make sure the kids are 100% his? And why?"
"I love the wording of a 'quick basic cheap' test, like hey, it's no big deal, this is a totally normal quick little thing healthy strong couples do!"
"Like, Baby, it's no big deal. I just want to test the kids' DNA to make sure I can trust you."
"I just asked my wife this, and she said, 'I will rip your nads off and feed them to you if you want that d**n test.'"
"So yeah, they care."
Holy Insinuation, Batman
"Asking for this test either means:"
"1. You think I cheated on you but don't want to actually accuse me directly of it and deal with the fallout of being wrong which is both cowardly and insulting and also didn't work."
"2. You have been spending time on unsavory red pill internet sites and are dumber and more gullible than I thought when I married you and I've now lost all respect for your critical thinking skills."
"3. You don't want to be married or be a father to our kids anymore and are looking or an excuse to leave. Perhaps you are yourself cheating, or you are hiding some other secret or opinion from me and have been for a while."
"None of these scenarios are good. I would 100% be rethinking the whole marriage at this point. What else are you going to blindside me with and when? Probably better to just leave on my own terms than wake up one day and find you gone and all the accounts drained."
Lack of Trust
"I wouldn't be opposed to the actual request because I have nothing to hide."
"But the fact that he felt the need to ask 100% indicates his lack of trust in the marriage and that is the bigger issue that I would be seriously concerned about."
"That would generally be my same response to any hypothetical requests for my husband to look through my phone. Like superficially, I don't care. It's just memes and pics of our kids. But the inevitable longer form conversation that gets triggered by that is why is the trust gone."
Quiet the Haters
"I’ve offered it to my boyfriend for our one and only child to shut up all the naysayers in his family who were telling him it wasn’t his."
"And he said my offering is even more suspicious than not offering."
"Which, I don't know how the f**k that makes any sense, but whatever dude. The kid is yours. Do it or don’t. I don't care."
The Terrible Mother-in-Law
"My ex-husband’s mom was really weird about our firstborn not looking like him."
"He and I are very different in looks, where he’s black hair, and tan skin, and I’m strawberry blonde, and very fair."
"The son was born with brown hair and blue eyes."
"He tans a bit but definitely doesn’t look like his dad... because he looks like a darker-haired version of MY dad."
"The crazy s**t was, my ex was cheating on ME for most of the marriage and both kids are absolutely his because I don’t play stupid games."
Child Support Conspiracy
"My father tried telling everyone I wasn't his kid (I was conceived maybe a week or two before he got caught cheating on my mum)."
"My nan took one look at me and laughed in his face. She eventually convinced him to acknowledge me and pay his child support. I love my nan."
Going No Contact
"When my parents’ divorce started getting nasty, my father accused my mother of cheating, and that I was the result of it."
"He asked me over and over again to get a test and sure enough, I’m his biological son. He didn’t believe the result and kept asking me to do more tests."
"Among other reasons, I don’t speak to him anymore."
Taking the Estate
"I got my revenge on my dad's family who never believed I was his (my parents were together for 30 years but never married)."
"He passed away without signing his will. At his funeral, his sisters poked at my nose and pulled on my ears, questioning whether I was really their niece."
"So I got a posthumous paternity test done. The entire estate went to me and I didn’t give them a dime."
"I would not care. My husband found out late in life that he has a different biological father due to DNA testing and it crushed him. I would understand that the test has more to do with that circumstance than his trust in me."
"That being said, even after going through everything with his dad, he never tested our kids, but I told him multiple times to go for it and I’d be totally fine!"
"One of my best friend's dads bought her and her two sisters Ancestry.com tests only for her older sister to get a 'Congrats! You have a half-sister!' email after my friend’s results were submitted."
"Obviously, she called her dad like 'What the f**k is this,' and he had them retest the results twice."
"He had to be the one to break the news to my friend. He absolutely had no clue before this happened, and he broke down crying and told her that she was still his daughter regardless."
"We were 24 at the time, and I genuinely can’t imagine how it must’ve felt to be either of them receiving that news."
"Her mom even tried to deny it at first before finally coming clean."
Grocery Store Antics
"'Here's a picture of my kid' … 'and here is the DNA test proving it!'
"'Can I leave now, officer? He just likes to scream kidnap for fun…'"
"Sigh. I love taking them to the grocery store with me."
Dad Jokes Galore
"I recently discovered that none of our three children are mine biologically."
"I feel so stupid, I should have known something was up when they all existed before I met my wife."
"All kidding aside, as a stepdad, I do find it genuinely tragic when dudes completely abandon kids and withdraw all love because it's not theirs, not their problem. I understand complex emotions surrounding the marital betrayal, but I can't imagine just peacing out on a kid whose fault it categorically isn't."
What's the Point?
"Our kid looks so similar to my husband that her face unlocks his phone."
"Sure, do the test."
Not the Mother
"As a child, I overheard my Mom say to my Dad, referring to me: 'She is nothing like me. Are you sure you didn't cheat on me?'"
"I really never had much in common with my Mom, and at that age, I didn't know anything about how babies are made, so I thought she was serious and lived with that doubt for a few years."
While some people were able to make jokes or could otherwise point out why paternity testing had been helpful in their own lives, most were concerned about the lack of trust asking for a test implied.