The world of finance is a constant gamble. Algorithms change, dows drops, stocks pivot.... it's a never ending game, more intense and bloody than Game of Thrones and a 007 film. That's why its so important to find and listen to the people who become experts in this field. So why do so many of us gamble with our coins based on our own thoughts? Or intuitions? Especially since most of us never got past Algebra II.Redditor u/weekendbrainsurgeon wanted to hear from those in finance field about bad decisions they've witnessed that we all should never try by asking.... Bankers, Accountants, Financial Professionals, and Insurance Agents of reddit, What's the worst financial decision you've seen a client make?
Tilray Downmickey mouse smh GIF by ABC Network Giphy
I had a client in her 70s put her whole savings in Tilray stock.
Tilray at the time was trading above 150 per share. I told her it was a terrible idea to put all of her savings in one investment but she told me I was wrong. She argued with me for a good 15 minutes until I relented and said okay, it's your money. So she put 300k into Tilray.
Couple weeks later it starts dropping, I call her and get no answer. It's sitting at 6 dollars a share now, her account is down to about 12k. Last time I spoke with her I took no pleasure in telling her she's no longer my client.
The Truth is Out
Had a client who was extremely wealthy about eight years ago tell us he was no longer going to use our services. Last year we get an extremely angry phone call from his wife asking us why we haven't been filing their taxes. We showed her the paperwork where her husband said he was no longer going to use our services. And then crap hit the fan. This dude apparently just decided he wasn't going to pay taxes anymore and didn't file a return for eight years and had been lying to his wife.
They were rich and owed almost 1.4 million dollars in taxes not including interest and penalties. And oh yeah they got absolutely fried by the IRS. If you are in a relationship with someone you need to be involved in financial decisions. Never let one party handle all of the money and make all of the decisions. That is how bad things happen in both business and in relationships.
I had a client Buy numismatic gold coins with an entire retirement account. She bought 266k worth of coins at almost double the price of bullion. I got the gold salesman on the phone and asked him to justify the reasoning and I he said it was because the dollar was paper money and worth nothing and that gold was going to go to 10000 a coin. I asked him what he exchanged this gold for and he said "well she paid me dollars". Then I said "why would you accept a worthless currency for your rapidly appreciating gold currency?" He cursed at me and hung up and said I didn't know what I was talking about.
I still haven't met a gold salesman that can answer this. Their whole pitch is that the dollar isn't worth anything but they happily take them in exchange for gold coins. The whole thing is crap. Poor lady. She can't sell them now even with gold bullion as high as it is for anything close to what she bought them for.
I am a fully registered advisor just to disclose.
600 DownTea Smh GIF by moodman Giphy
Not my client.
Saw a guy invest about 600k in a start-up. He confirmed in the 1.5 pages agreement that he was fully informed about everything going on.
Please if you invest in that size, ask a lawyer to at least review the agreement.
Needless to say, said guy's net worth is 600k less now.
The Accountants Know
If you're a small business owner and your business provides you with even a remotely significant amount of income, then get a separate bank account for your business income and expenses and never, never, never commingle your accounts. If you find that you need to make a business payment and you don't have that money in your business account but you do in your personal, then write it down in your books as money that you give the business that then gets spent on the business expense. Likewise, if you want to use your business income, pay yourself a wage or a 'dividend'. The moment you cross your accounts is the moment that you put yourself into tremendous financial paperwork frustrations.
The Lotto Scam
Former manager at a credit union. One seemingly smart lady in her 70s got one of those lottery scam letters saying she won, but needed to send them money to process her winnings. They kept getting her to send more and more money. We were telling her it was a scam from day 1, but we couldn't stop her.
She burned through her IRA which had about 200k. Took out a loan against her paid off house for another 200k. Sold her jewelry. Probably paid out 500k total before finally realizing.
We truly did everything we could. Got her family involved. Several of us would confront her every time she came in and would plead with her to stop.
It was sad but at some point you have to cut your losses and realize it's a scam.
Edit: I was the assistant manager at that point. We brought our risk management department and other higher ups in but they wouldn't close her account.
The whole 500k was not with us. We had no idea about the loan, jewelry and some money in other accounts that she gave out until after it was all over.
She even thanked us later on and wishes she listened to us.
I've made money with both stocks and options but I get on r/wallstreetbets sometimes to see how tf someone can go tits up so easily and omg.... "I have $50,000 in my account, let me throw 100% of that on Amazon puts that expire Friday." Ive also seen people who pull in $1m in their first year and try to tell everyone else how to trade. That's like me hitting it big on a slot machine and then pretending to be an expert.
Chose HULUcindy brady smh GIF by HULU Giphy
Using ALL of his "retirement" and daughters college tuition to short Netflix. He lost over a million dollars.
Best friend is a CPA, and when he had his own practice, he had some pretty big-name clients (Senators, musicians, pro athletes, etc.) One of the biggest mistakes people made were thinking they were smarter than an accountant. His biggest challenge were the people who heard about the "sovereign citizen" nonsense. To no one's surprise, a random guy on YouTube doesn't know more than an actual CPA with 40+ years experience. At least a few of these new-found "sovereign citizens" ended up doing time for tax evasion.
Just Exerciseworking out richard simmons GIF Giphy
A private company announced a special dividend to all shareholders as of date of record one-month in the future. $1.30/share dividend.
There was an option holder with 300,000 options at a $0.10 strike price.
He did not exercise them. Had he exercised his options for $30,000, he would have been paid $390,000 the following month.
Not an accountant but I used to do Social Work that included some budget coaching. I was going over one family's monthly budget and trying to figure out how they were going to rearrange so they could pay the subsidized $10 copay for court ordered counseling that would make or break them keeping custody of their children. Now, budget was a little tight because only the dad worked. But he was making just under double what I made for helping them with the budget. And they were living in a gross trailer park where they paid next to nothing for rent.
And this was a step up from the gross motel room they had been living in before. And when I was nicely chewing them out for missing a counseling session, they were all too happy to explain the problem. Which, of course, was dad got paid on Thursdays (weekly) and the Counselor had them scheduled for Tuesdays (weekly.) So, there was no way they would have the $10 left to pay the Counselor on Tuesday.
The solution to this was they had to start driving across town to pay the Counselor on payday, and then drive to their (already paid for) session 5 days later. I was just getting my mind wrapped around this concept, when the mom called me all excited. She had fixed their financial problems. She refinanced their (POS 12+ year old) car. And she was so excited to tell me that instead of paying $385 a month, their new payments were only $115 a week. I still have no words.
Send in the Cars
I've seen people finance cars at over 30% interest. paying $500/mo for a 8-year old mustang, and will end up paying well over 2x the cars value, assuming they pay the loan off.
Edit: since this kinda blew up, here's a PSA for all the active duty (American) military people - any loan you took out prior to either enlistment or deployment is eligible to have the rate reduced to either 6.99 or 7.99% (google it before you call your bank, as it's been a couple years and laws change.) all you have to do is call your creditor and provide them with your orders and they have to reduce the rate, even retroactively, to the date you deployed (or enlisted.. again, google it).
Idiots.idiots GIF Giphy
- The client who joined an MLM and racked up half a million dollars worth of losses before finally listening to us and quitting.
- The client who spent $40k on Farmville over 3 months.
- The clients who give their adult children allowances that exceed my salary, fancy cars, and houses without expecting them to ever hold down a job themselves. vwh808
Payroll accountant. I used to work for a company with an actuarial Department. There was a lovely young woman working in the call center with a masters degree in data science. She was constantly talking about how frustrated she was with making $16/hour in a call center when she had a masters degree in data science, yet no matter how many times I told her to apply to the actuarial team she wouldn't do so.
The actuarial team was HUGE about promoting within. I saw many people who wanted to learn more about what they do who had no experience whatsoever get excepted into the team because they wanted to learn. This girl was a shoo-in. And yet she never even tried despite the fact that there were always openings. She also shared with me that she was $180k in debt for that master's degree. Last time I checked in with her she had left the job completely and is now in school for art. (Insert facepalm emoji here.)
But my favorite was before I was even an accountant. I worked for a small CPA firm as a receptionist during tax time. I saw a full-grown woman sit down on the floor and start crying because she owed $900 in taxes that year when she had made about $150k that year. I rolled my eyes so hard that I hurt myself. Later that day I had a guy who owed $750k to the IRS and said "woohoo! That's way less than last year!"
The Lost Seat
Watched a client walk out of my office after I explained the risk in liquidating his 401K to start his own business. He started it with no management experience or business model, real "fly by the seat of his pants" kinda guy. Wanted to start a career flipping houses in a college town, turn them into upscale rentals. Did it in a bad neighborhood and lost EVERYTHING.
I'm a CPA and had a client whose business was going under. He started taking out payday loans on his own salary to pay his staff. When it gets this bad with no end in sight, time to reduce staff.
Also in r/accounting someone posted about wanting to file bankruptcy over $900 in credit card debt. This person was about to graduate college with an accounting degree and would have been making $50k starting out.
We all thought he was trolling us, but somehow ended up coming off as a legitimate situation. Who wants to hire a bankrupt accountant which shows up in background searches?!?!
Simple....Feeling Dumb Jim Carrey GIF Giphy
Probably not the worst, but one of the more perplexingly common...
Making over $250k (sometimes WELL over), no withholding, not paying estimated taxes throughout the year, can't afford the tax bill with the return EVERY YEAR, then complaining because they can't afford the installment payments on the taxes they owe from two years ago.
Moron, sell your gaudy, gross McMansion, take your teenage daughter's credit card away, let your drunk driving son stay in jail and get a public defender, and tell your horrible wife to stop spending all day at the tennis courts sipping mimosas. Get your mess together and pay taxes throughout the year like the rest of us. You aren't being persecuted by the IRS, you're just an idiot.
Don't Spend It!
I work for a bank. One of our branches had a customer who was basically homeless. Then, he wins the lottery! Over the next few months, the staff watched him come in to withdraw thousands of dollars every day to spend on extravagances. Everyone tried to convince him to sit with a financial advisor to help him make the most of his money. Less than a year later, he's in slightly better shape than when he started; he's at least able to live in the car he bought.
What I've seen, countless times, is someone who started a business with ZERO research, no understanding of what running a business involves. (Here's a hint: practically every business involves paperwork and deadlines.). The business models come in waves... for awhile it was Barbecue shacks, then it was cupcakes, then house flippers, then food trucks. I think they see it being done on TV shows that make it look fun. It isn't fun when they come to me with debt, tax levies and lawsuits.
IRS and state labor department and health department on their backs, and suppliers taking them to court for unpaid bills. Some of them cashed out their retirement account to buy a business; others put their house up as collateral for an SBA loan. it's a nightmare. If they had come to an accountant first, we might be able to help them (or even better, dissuade then). I usually see them after 18-24 months of screw-ups and by then it's usually too late to rescue them.
ATM Issuesmake it rain loop GIF by Chris Timmons Giphy
Banker. Banks charge fees for using other bank's ATMs.
I had a customer that would check his balance and then do withdrawals daily at a foreign ATM. Guy did not have a lot of money to begin with and because he did this, would overdraw his account and get slapped with an overdraft fee which put him in the hole further. We ended up taking away his ability to overdraw his account. Dude was pissed, but it helped right the ship a little.
Want to "know" more? Never miss another big, odd, funny, or heartbreaking moment again. Sign up for the Knowable newsletter here.
Over-sharing is a thing. Sometimes, people really just cross the line in the information they've decided to volunteer to us.
It's hard to control who does this to us since it tends to take us by surprise, but hearing some of the things that people have suffered having to hear can easily act as cautionary tales to us.
Seriously, Who Asked<p>I used to work at an animal shelter and we had several people who would come volunteer to help out.</p><p>One of the women who came there on a regular basis went to lunch with me. She was such a sweet woman, a little older than I was at the time. She proceeded to tell me that she used to go to the park and hook up with old men because she felt sorry for them.</p><p>WTF?</p><p><a href="https://www.reddit.com/user/moviesandcats/" target="_blank">moviesandcats</a></p>
Decent Bloke....<p>I (25f at the time) was at A&E in the UK. I got discharged and was waiting for my taxi outside. This buff shirtless dude, covered in tattoos (they were decent too, imo) comes over and asks for a light. I bought a zippo for novelty so I obliged.</p><p>We got to talking and he told me how he had just got out of prison after serving a life sentence for killing his father, after his father murdered his baby sister. Had his records on him and everything (he was at the hospital as he was diabetic and had experienced an issue of some sort after being released - I have no expertise here).</p><p>I have never feared and respected a man so much in my life.</p><p>I bought him a pint after my taxi decided it wouldn't be arriving. Decent bloke - we still speak 9 years later.</p><p><a href="https://www.reddit.com/user/heavenhelpyou/" target="_blank">heavenhelpyou</a></p>
Oh....Sounds Fun....<p>My sophomore year In college a girl who I had a group project with told me that her first sexual experience was getting tag teamed by a couple of guys while she was in high school. </p><p>I just told her "wow, that's pretty intense." She told me that she loved it and then I changed the subject. Until that point nothing sexual had come up in the conversation.</p><p><a href="https://www.reddit.com/user/Nothing_/" target="_blank">Nothing_</a></p>
TW: Suicide<p>My manager at my job in high school decided to tell us about how she tried to end her life on my very first day. </p><p>She was like, "One day, I decided to take some pills and end it all. I grabbed a pill bottle out of my mom's cabinet and took a handful without even looking at what it was and then lay down to die. I was so surprised to wake up in the morning perfectly fine. Confused, I checked the bottle to see what I had taken."</p><p>Yeah, it was estrogen.</p>
Please Tell Me About Your Infidelity<p>My wife loves to tell this story.</p><p>Her first day at a new company she was to meet another employee who would show her around the office. She met her in the lobby and on the elevator ride up to the office she proceeded to tell my wife how her husband has gained some weight and she is considering starting an office affair with a co-worker who is really into fitness and 'has muscles' (apparently she made a gesture where she fanned herself while saying muscles)</p><p>Like literally my wife met this lady 5 minutes earlier for the first time in the lobby and she is already unloading all this stuff on her.</p><p><a href="https://www.reddit.com/user/Boxman75/" target="_blank">Boxman75</a></p>
TW: Abuse<p>I was seated next to a quiet kid on a high school band bus to a football game. He'd been in my band class for years, but I had never really spoken to him. He was the type who didn't fit into anything at school that I ever saw. I resolved to get to know him a bit and open up a conversation since we were going to be sitting by each other for a few hours. It was like a dam burst; that dude talked for the whole trip.</p><p>At one point, he told me that his mom was really unhappy with his stepdad but couldn't afford to divorce him. And then he told me that his stepdad would get drunk and beat him with a stick, but he wasn't sure if his mom was also getting beaten and that scared him. There was a brief pause before he said "I never told anyone that before..." Then he changed the subject completely.</p><p>I must've been seventeen or so. It shook me. Like... Obviously I was old enough to know that sort of thing happens, but too sheltered to think it happened to anyone I knew. I told my parents about it-- seemed the right thing to do. I don't know what happened from there. He and I never really spoke of it again. I just looked him up on Facebook, though. Looks like he's done really well for himself.</p><p><a href="https://www.reddit.com/user/DietrichBuxtehude/" target="_blank">DietrichBuxtehude</a></p>
Not The Thing To Tell Your Nurse<p>I was doing my practice in a hospital. They brought a young man in the neuro clinic, he was my 1st patient. He was around 30 and he had fallen from a tree while working. </p><p>He turned out to have a complicated neurological condition that had nothing to do with his fall. He was also diagnosed with severe depression. He was in there for months and no one ever visited him, the only time he felt a bit better was when I visited him and did some tests to him. </p><p>He said "it's nice when you come and make me play with the coloured toys and make me draw things". One day he was looking out of the window, when I came in he looked me dead in the eye and told me "you know, if the windows didn't have protective bars, I'd jump right out". It was the 1st time I'd heard such thing and I remember it ever since.</p><p><a href="https://www.reddit.com/user/Shoddy_Natural4217/" target="_blank">Shoddy_Natural4217</a></p>
Ope Okay Guess We're Going There<p>Coworker took out a client for a business lunch at a small town restaurant. He asks the waitress "How are you?" to be polite. </p><p>She proceeds to go on a 5 minute spiel about how terrible her ex husband is and how he's ruining her life and how she feels like crap because of it. After she finishes, takes their order and leaves the customer says "So you must know her pretty well?" </p><p>"Only well enough to say hi in passing." </p><p>"Oh, so then that was just as awkward for you as it was for me then?" </p><p>"Yes, yes it was."</p><p><a href="https://www.reddit.com/user/NowhereinSask/" target="_blank">NowhereinSask</a></p>
The Evidence Is The Burn<p>Some guy next to me on the bus once went into a long elaborate story about how he burned his house down for insurance money like three weeks prior.</p><p> I wouldn't have believed it if his hands didn't have massive burn scarring.</p><p><a href="https://www.reddit.com/user/STARCRUSHER99/" target="_blank" rel="noopener noreferrer">STARCRUSHER99</a></p>
Who Are You Fooling?<p>Met this dude in college when he moved into the dorm. Goofy looking redneck kid from the San Antonio area. I'm getting to know him when I notice his Spice Girls cd (this was like 2003), and I commented on it. </p><p>He then goes into this long story of how he was at the Walmart in San Antonio, looking at the CDs in that store and just happened to have bumped into Ginger Spice who invited him into the tour bus that no one had noticed, and he lost his virginity to all the Spice Girls at once.</p><p>My thought was "Thank you for this story, I know instantly that I can never trust or believe anything you ever tell me again." It's been almost 20 years and I still can't believe that was something he said in the first five minutes of meeting me.</p><p><a href="https://www.reddit.com/user/GreatJanitor/" target="_blank">GreatJanitor</a></p>
We're never that surprised when we encounter people who are lackluster at their jobs. Bad waiters, rude customer service people, dishonest contractors, or inept colleagues abound throughout daily life.
But it's interesting that we expect to encounter that kind of ineptitude far less with certain professionals.
Salt in the Wound<p>"I was dealing with a lot of family issues at the time and my ex had just broken up with me that week so I was taking it fairly hard."</p><p>"My therapist said 'it's because they found someone better' and when I said no and tried to explain she just dug in deeper that my ex had dumped me because they found someone better than me."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/ltikks/people_of_reddit_what_is_the_worst_thing_a/goytctg?utm_source=share&utm_medium=web2x&context=3" target="_blank">sgrmw</a></p>
Suddenly, a Brainstorm Session for Insults<p>"14, telling my shrink about how I was bullied in school."</p><p>" 'Do they make fun of your nose?' "</p><p>" '...nnnno....?' "</p><p>"And that's how I found out I have a big nose."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/ltikks/people_of_reddit_what_is_the_worst_thing_a/gp0jn7u?utm_source=share&utm_medium=web2x&context=3" target="_blank">KindlyOlPornographer</a></p>
The Exact Wrong Outlook<p>" 'You'll never do an important job like doctor, veterinarian, firefighter, lawyer, conselor...You'll probably end up in a Walmart for your whole life.' "</p><p>"I was 8 years old and still remember how mad my parents were lol."</p><p>-- -<a href="https://www.reddit.com/r/AskReddit/comments/ltikks/people_of_reddit_what_is_the_worst_thing_a/goyug8s?utm_source=share&utm_medium=web2x&context=3" target="_blank">SincerelyDontCare</a></p>
Mourning Snooze<p>"Nothing. She fell asleep in her chair while writing notes....I was talking about the death of my parents. I was 16. Never went to another therapist" -- <a href="https://www.reddit.com/r/AskReddit/comments/ltikks/people_of_reddit_what_is_the_worst_thing_a/gozuyga?utm_source=share&utm_medium=web2x&context=3" target="_blank">Papismurf101</a></p><p style="margin-left: 20px;">"After reading a few of these I'm convinced some therapists get there education on a milk box. Flipping heck. I'm so sorry that happened to you." -- <a href="https://www.reddit.com/r/AskReddit/comments/ltikks/people_of_reddit_what_is_the_worst_thing_a/gp2zydy?utm_source=share&utm_medium=web2x&context=3" target="_blank">illthinkofonel8er</a></p>
When Word and Deed Do Not Align<p>"When they say things like 'okay I understand how you are feeling thank you for telling me' but proceeds to ignore most of the things I've said. -- <a href="https://www.reddit.com/r/AskReddit/comments/ltikks/people_of_reddit_what_is_the_worst_thing_a/goyrsef?utm_source=share&utm_medium=web2x&context=3" target="_blank">PrestigeZyra</a></p><p style="margin-left: 20px;">"Ugh I hate that. Sympathy is not Empathy."</p><p style="margin-left: 20px;">"Rephrased: 'Based on what you've shared, I think I'm starting to understand what you have been through. Thank you for telling me. Now you said X, would you like to explain that further so I can better understand?' "</p><p style="margin-left: 20px;">"It's called motivational interviewing and that specific technique is 'reflecting' and 'clarification' to ensure the client is able to fully explain their meaning without the provider 'assuming' anything or ignoring the person's statements." -- <a href="https://www.reddit.com/r/AskReddit/comments/ltikks/people_of_reddit_what_is_the_worst_thing_a/gozv732?utm_source=share&utm_medium=web2x&context=3" target="_blank">jhorry</a></p>
Proven Wrong Almost Immediately<p>"Go back to work, you'll be fine, you don't need different meds."</p><p><em>"3 times being sent home and psych ward visit later" -- </em><a href="https://www.reddit.com/r/AskReddit/comments/ltikks/people_of_reddit_what_is_the_worst_thing_a/goygpxp?utm_source=share&utm_medium=web2x&context=3" target="_blank">BalancedJoker</a></p><p style="margin-left: 20px;"><a href="https://www.reddit.com/r/AskReddit/comments/ltikks/people_of_reddit_what_is_the_worst_thing_a/goygpxp?utm_source=share&utm_medium=web2x&context=3" target="_blank"></a>"let me guess, diagnosed with depression (unipolar). prescribed an SSRI type antidepressant. turns out you have biploar depression and without mood stabilizers the SSRIs sent you into a strong manic episode." -- <a href="https://www.reddit.com/r/AskReddit/comments/ltikks/people_of_reddit_what_is_the_worst_thing_a/gp0hdbz?utm_source=share&utm_medium=web2x&context=3" target="_blank">SecTrono</a></p>
Doubling Down<p>"I had a psychiatrist who was convinced I was anorexic even though I wasn't."</p><p>"It really sucked because my therapist and my psychiatrist worked at the same company and they had a policy where they don't help people with eating disorders."</p><p>"So even though I went to a specialist and they confirmed I didn't have an eating disorder I was still banned from that facility and lost my long term therapist."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/ltikks/people_of_reddit_what_is_the_worst_thing_a/goyzbxh?utm_source=share&utm_medium=web2x&context=3" target="_blank">assainXD1</a></p>
Throwing Shade on a Healthy Habit<p>"I use my creativity with art and craft as both a coping skill and as something that gives me extra purpose in life."</p><p>"A psychologist told me that doing so is maladaptive. I didn't go back."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/ltikks/people_of_reddit_what_is_the_worst_thing_a/goyloq7?utm_source=share&utm_medium=web2x&context=3" target="_blank">BlackCaaaaat</a></p>
Wut<p>"Had a therapist tell me that my soul, long before I was born, chose my parents and subsequent childhood abuse so that I could learn from it."</p><p>"By this logic, of course, the abused person is always in control and the abuser is helpless. Argue with that logic. Needless to say I never saw her again."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/ltikks/people_of_reddit_what_is_the_worst_thing_a/goyszg6?utm_source=share&utm_medium=web2x&context=3" target="_blank">mercuryrising137</a></p>
On the internet, people tend to say things they likely would not in the real world. The anonymity of a forum or comment section--composed only of verbal contributions beneath made up names--compels us to socialize with less inhibition; we take more risks with the peers we can't see in the flesh.
THANK YOU<p>"Maybe not small. But my job is sort of essential. I support software that is used by many hospitals and medical facilities."</p><p>"I've pretty much worked every day and made sure our sh** didn't blow up whole covid wrecked shop. I get no mention. I get no praise but damnit I'm happy to keep helping fight the fight."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp5ubry?utm_source=share&utm_medium=web2x&context=3" target="_blank">shartnado3</a></p>
Making All the Right Moves<p>"Trimming 7 years (so far!) off our mortgage through minor payment tweaks and tax return lump sum payments."</p><p>"It takes planning and discipline, but means we'll both be able to retire without house-debt. Planning to surprise SO with this next year once I get it down a little further." </p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp5w7mm?utm_source=share&utm_medium=web2x&context=3" target="_blank">flitterbug78</a></p>
The Leap<p>"I finally got the courage to apply to, interview for, and accept another job, and quit the job I've had for a decade." -- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp63t9k?utm_source=share&utm_medium=web2x&context=3" target="_blank">whatisgoinghappen</a></p><p style="margin-left: 20px;">"Good job. I change as well last September. After 14 years it was stressful. Especially with a wife, a mortgage and a kid depending on my income." -- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp8x685?utm_source=share&utm_medium=web2x&context=3" target="_blank">Angio343</a></p>
33.83 Years of Training<p>"I successfully plunged a toilet today! For the first time in my 33.83 years of existence! I'm just relieved I don't have to call the guest house manager."</p><p>"That'll teach me not to flush toilet paper in India smh."</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp69rfb?utm_source=share&utm_medium=web2x&context=3" target="_blank">fvckyes</a></p>
Keep It Going, Keep It Going<p>"Running 45 minutes to one hour most days for the last four weeks." -- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp5uufd?utm_source=share&utm_medium=web2x&context=3" target="_blank">InbhirNis</a></p><p style="margin-left: 20px;">"That's brilliant!! Geesh if you can keep that up, even if it becomes just a few times a week you are adding YEARS to you lifespan, as well as LIFE!" -- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp6gjdv?utm_source=share&utm_medium=web2x&context=3" target="_blank">BlueLunarStar</a></p>
Pristine Extremities<p>"I been biting my nails all of my life and have finally stopped. I always feel a little silly to show my friends and be like, look, I have nails!" -- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp64l2e?utm_source=share&utm_medium=web2x&context=3" target="_blank">mobiuthuselah</a></p><p style="margin-left: 20px;">"Hey that's awesome! I've been biting my nails for like 20 years, it is a HARD habit to break. 👏👏" -- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp8cu86?utm_source=share&utm_medium=web2x&context=3" target="_blank">takethehiddenpaths</a></p>
1, 2, 3<p>"I did three loads of laundry today. Folded and put away too!" -- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp5tmtb?utm_source=share&utm_medium=web2x&context=3" target="_blank">rockbiter81</a></p><p style="margin-left: 20px;">"Is..is that humanly possible? I mean put away and everything?" -- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp71hfd?utm_source=share&utm_medium=web2x&context=3" target="_blank">AtheneSchmidt</a></p><p style="margin-left: 20px;">"Several years ago, when I was majorly depressed, laundry was the hardest thing to do. It felt never <a href="https://ending.to/" target="_blank">ending.</a> To this day, keeping on top of laundry is like saying 'I'm doing ok' for me."</p><p style="margin-left: 20px;">"Doing three loads, folding AND putting away is amazing from my perspective! Congrats! Good job!!" -- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp7bebe?utm_source=share&utm_medium=web2x&context=3" target="_blank">Smartass_Narrator</a></p>
Step One, Check<p>"I've been making a point to try and shower every day."</p><p>"It doesn't seem like much, but when I'm going through a rough bout of depression - it's the biggest accomplishment I can muster and I'm very proud of myself and my current level of stinky-ness"</p><p>"(current stink level: not stinky!! Yay)"</p><p>-- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp61um4?utm_source=share&utm_medium=web2x&context=3" target="_blank">datCHEESElife</a></p>
Upswinging<p>"Drug addict for the last 10 years, tomorrow marks 2 months clean. May not sound like a long time but it's longest I've gone ever" -- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp601uu?utm_source=share&utm_medium=web2x&context=3" target="_blank">yo_Slick</a></p><p>"Been an alcoholic for 9 years. 2 weeks sober tomorrow" -- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp5v4ol?utm_source=share&utm_medium=web2x&context=3" target="_blank">IscreamwhenIsh**</a></p>
Here's to You Making It<p>"today is my 26th birthday and I'm still around for it" -- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp5uq5b?utm_source=share&utm_medium=web2x&context=3" target="_blank">b4byd0t</a></p><p style="margin-left: 20px;">"I've been depressed for decades. I just turned 49 four days ago and I never thought I'd get here. It's been rough for most of those years, but I'm still here and I think of all the people I've helped that wouldn't have happened and it gives me a purpose. Do the same."</p><p style="margin-left: 20px;">"Think about anything you've done, even if it's just giving directions to a stranger. You helped that person get to where they needed to be. If you weren't there, they might still be lost now." -- <a href="https://www.reddit.com/r/AskReddit/comments/luddci/whats_a_small_achievement_you_would_like_a_pat_on/gp7yyjw?utm_source=share&utm_medium=web2x&context=3" target="_blank">eddyathome</a></p>
Time and dedication is critical to learning new skills.