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.
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Sometimes the little things we take for granted are the very things that people from other places wish they had access to. Let’s face it, as far as consumerism Americans are pretty spoiled for choice in what they can do or get ahold of.
Do you want biscuits covered in gravy and a bacon donut on the side at 4am? American diners have you covered. Want to spend $3 on a street hotdog vendor and take a gamble? That’s your right. Even creature comforts like having air conditioning being mainstream is different than most other countries.
When it boils down to it people love the convenience, and if there’s one thing America has become good at, it is providing that to anyone willing to shell out the money for it.
Jimlobster wanted to know what common items or trends in the United States others wished would come to their home country. They asked:
“Non-Americans of Reddit, what is popular in the US that you wish was more popular where you live?”
“I'm from Brazil: Kitchen with island, sinkhole with the garbage disposal, air conditioner everywhere in the house.”
“EDIT: I'm talking about the kitchen sinkhole that you can throw food there without clog the plumbing, in Brazil all the food remainings you have to throw in a bin. It's garbage disposal what I meant, I made a search and made a new edit.” raicorreia
The joy of getting 2am diner food after a night out…Food Eating GIF by Moosh & TwistGiphy
“24/7 diners, I don't know if they actually exist but they sound awesome.” turngre3n
Having a good hot soak…
“Bathtubs apparently. I see them in so many tv shows. Even characters who supposedly aren't well off have a big bathtub in their bathroom.”
“I have not even seen one in real life. I thought maybe some hotels in my country would have them but nope. (Though to be fair I've never stayed in a 5 star or something). Just want to experience bathing in a bathtub once to see what all the fuss is about” vpsj
A good oil’ greasy American breakfast.
“Of what I've seen you guys have breakfast places everywhere and they have a wide selection of stuff like pancakes and donuts, it's not healthy but it sounds great. Most we get in the UK are small cafés or Mcdonalds.” FunniBoii
We add bacon to everything…
“When I moved to the Northwest, all my european friends swore up and down that American desserts and pastries were inferior, that I would have to get sweets imported, and I would miss all the nice bakeries, etc.”
“Immediately when I got here, I was offered a "maple bar with bacon and nuts", and I can never go back. America's pastry game goes hard. I've never had donuts as fluffy and flavorful. 10/10, would recommend.” SentretSparkleypants
Movie theater food…
“A theatre where they serve you actual food (like pizza, not popcorn) inside the theatre, while sitting on a spacious reclining chair with a little mini table. Best experience watching a movie I've ever had and wish it was in my country (Kenya).” Odd_Inflation178
We are spoiled for cereal variety…
“Cereal! We don't have ANY good breakfast cereal in Nepal 😭 Only DUMB Kelloggs cornflakes and chocos. I want those sweet honey nut cheerios, colorful fruit loops, them flavorful cinnamon toast crunch, those amazing looking frosted mini-wheats. Just give us some variety!!” June_53
Accessible street food…
“Street food that doesn't cost ££££. I hate the fact that in the U.K. (esp. London/Birmingham etc.) 99% of street food is deemed to be as pretentious as possible. Just because food is inevitably sprinkled with Parmesan/Truffle Oil/Whatever DOES NOT MEAN its allowed to be charged as much as it is inside a restaurant.”
“No, I don't want a eat a 'secret spices' beef rib from a cardboard box with rosemary salted French fries for £14 in the rain. I'd much rather have a half-decent burrito for £4/5, thanks.” notprotonated
Thift shopping!Thrift Shop Television GIF by Saturday Night LiveGiphy
“Thrifting, where I live the second hand shop are so rare and it takes hours to get there. Also big mall were there are 20 and more shops, near me(and with near I mean that I have to drive for 1 hour) there is only one, and they only make this kind of malls in the opposite side of my city because the center is untouchable.” Eastern-Honeydew-471
“Mexican food and restaurants. I live in a german town with around 20k people. We have 15 italian (though at least two of them only do delivery), 5 greek, 1 vietnamese, 1 chinese and 5 german restaurants. 4 turkish Döner Kebap stores and 2 greek Pytta Gyros ones, one McD and a Subway.”
“And a load of cafes and sit-down bakeries. Within a 25km radius there is just one mexican 'restaurant'. Which is basically a (fancy and quite expensive) bar that offers a very limited menu with mexican foods and one american Burger-restaurant that has some mexican stuff on its menu every once in a while, but not always.” quietschedalek
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Dream of the sea of lights, of the opportunities, the nightlife, and all of the things you've been dreaming of living in your adult life since you were a kid. Being in a city as an adult can afford you those opportunities.
But oftentimes the city will just afford you more expensive housing with no real way to keep up your standard and quality of life. Unless you make major budget cuts, you might often find yourself at odds with your own city, and growing to dislike it.
Sound familiar to anyone?
It certainly did to Redditor lookinsidemybrain1, who wanted to know:
"What city is overrated?"
Here were some of those answers.
"My best friend is from Philly, I'm from outside of Boston. We both met in Florida when we were teens and bonded over being the only two people who were hockey fans in the mid 80s."
"In 2010 we had a bet for the Flyers/Bruins series. Loser would have to pay for a trip to the winner's city to watch a game in their barn."
"Obviously the Bruins choked away that 3-0 lead and lost the series. So I had to pony up for the trip. My boy tells me he'd rather go to Boston and catch a game there and see the city."
"I said ok but the bet was going to the winner's city and I've never been to Philly. He says 'You don't want to go to Philly, it sucks...even I don't want to go there.' So we went to Boston and had a great time."-sebrebc
The Capital In A Few Ways
"I used to work an ambulance in Jackson, Mississippi. That city is not circling the drain. The water has drained and Jackson is stuck to the tub."
"It is a never ending cycle of poverty, corrupt city officials, fleeing businesses, and crime. Every city administration does nothing but pass blame."
"Some of the most atrocious things I have seen happened in Jackson MS, not 20 miles from my home, and I was in Afghanistan. Every shift was a shooting, an assault, an overdose, a fire standby, homeless and mental health calls."
"Many of the citizens live in absolute squalor. No businesses near them, no grocery stores, no opportunity. They can't afford cars and the public transit it is practically non-existent. You truly do not understand what poverty is until you see it."-[username deleted]
Rio De Goodbye
"Even us Brazilians don't consider going to Rio de Janeiro a good idea, unless you're sure that you know what you're doing (like going to the beaches outside of town)."
"In Brazil, the best places to visit are small towns. Big cities have crime and violence, and it's not safe to just hang around with expensive electronics."
"Brazil has thousands of small paradise places, either beaches, mountains, jungles or whatever. See, for example, Maragogi. Small towns are mostly safe, and 80% of Brazil's cities have less than 20,000 people."
"Hope you have a better experience in the next time."-rubenssm
See any place on this list you're now making a mental note to avoid?
Because Of The Car Industry, Margot
"San Jose. People come here thinking it's the silicon valley expecting to see all kinds of cool advanced stuff but it's just an urban sprawl."
"I know someone who came here from Shanghai and wanted to travel to San Francisco. She asked me why we don't have high speed bullet trains that will take us to the city in like 15 mins. I didn't know what to say."-Live_Mathematician99
"I live in L.A., and every time someone comes out to visit, they want to go to Hollywood to see the touristy stuff. I don't mind indulging them, but a a huge fan of movies and old Hollywood, etc., the real thing is insanely disappointing."
"It's filthy, crowded, smelly, and chock full of shysters and violent homeless people. I totally get going for the sake of going if you're visiting the area, but there are two things you should never do: wander off the main streets or hang around late at night."
"There are a lot of crazies down there who get stabby when the sun goes down."-WickedHello
"Dubai. What most people don't see is the fact that the majority of the city are slums where people don't even have running water."
"I remember visiting my cousin who lived there and while we were at the beach, whole families would use the showers there because they didn't have their own."-Flaky_Sandwich9353
"A photo that is still vividly in my mind is of Dubai. It shows the city boarder and how there are shacks literally on the other side."
"It's insane that UAE is one of the richest counties in the world but a large chunk of their people live in poverty to the extent that their homes do not have walls and ceilings."-CaptainF*ckAll
Let's Run Away....
"Atlantic City: A poor city with a poor population and all of its wealth coming from casinos, and casinos are depressing."-Topazz410
"I had to scroll way too far to see this. I don’t gamble so the casinos weren’t very exciting for me. The beach was pay to play and just a strip of sand with cold brown water."
"The boardwalk was good except it was the same exact merchandise in every 5th shop. We found one good restaurant and ate there daily. Left 2 days before our booking ended."-If_you_ban_me_I_win
And do you see any plans that you had on the back burner now fully making their way up?
The City Of Blues
"I've got such a great Memphis story. I've literally only been there once in my life and only for a couple of hours (aside from driving through it)."
"Over Christmas break 2004, I drove from east Tennessee to Abilene, TX to visit my sister. I drove back on New Year's Eve and at about 2:00am I got to Memphis."
"I decided I wanted to see the Mississippi River as I'd never been there before, so I pulled off the interstate and went to this very closed visitor's center on the river downtown. It's Tennessee, but it's still December, and it's cold. Maybe 40 outside."
"After using the bathroom, I walked down this path outside the visitors center that led along the river. I get maybe 100 yards down this not-illuminated path (again at 2:00am in downtown Memphis) and I notice there are these stairs that lead down toward the river. Awesome, I can see it up close! The stairs end at a tiny bank of dirt and then boom, there's the river."
"I start down these stairs and immediately realize, these are not like 'visitors, give these stairs a try' stairs. They are like 'these have been here for eight years and haven't been maintained in that time' stairs. I get about four stairs down and one of them gives way."
"In a split second, I am now sliding rapidly toward the Mississippi River in 40 degree weather with my flip phone in my pocket and absolutely no person who knows I am here and doing this. I make a mad scramble for anything I can reach for and by whatever providence, I grab a tree limb and stop the slide."
"I was able to get to my feet and realize that my shoes are wet. I was that close to ending up floating away down the Mississippi, probably drowning or freezing to death in the process. I can swim but come on."
"I regained my composure, crawled my way very, very slowly back up the bank, and got back in my car. That was arguably one of the dumbest things I've ever done in my life."-baltinerdist
A Piece Of Da Pisa
"I'm italian. I was planning a trip from the south to the north of Italy to take my car from my hometown to the city where I work, I was asking for advice about the cities to stop in for example Naples, Rome, Bologna, beautiful cities with many things to do and see."
"What about Pisa? Every single person I asked about told me to forget it. It is literally a hole with a crooked tower."
"'You look at it, take your picture and go away, but it's not worth the extra kilometers you would take for that detour.'"-FunnyPromise
No Infrastructure...Yeah, Im Good
"I think of all major American cities Los Angeles is the most overrated. It’s a cool place if you know someone who can show you around all the unique off the beaten path spots."
"But as a wandering, casual tourist who doesn’t have anyone in town you will spend a lot of time in traffic going to OK attractions."
"You're better off going to other California cities or visiting the beautiful nature the state has to offer then go to LA."-Amockdfw89
When looking for a place to live in this next stage of your life...buyer, beware. A city is only as good as it wants to be--so heed the warnings of others who have come before you.
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Have you ever wondered what job people would pick if they knew they'd be financially stable?
Not rich; we're not talking "retire-in-luxury to Buenos Aires" level coin; just comfortable and with growth potential if you're smart about things.
If any job in the world put you at the precipice of stability - what would you *choose* to do?
Reddit user "talldmbfan" asked:
"If you got to pick any career/job and earned $400,000 no matter what, what career/job would you pick?"
Ya know ... a $400k salary sounds like it could be a few smart money choices away from the very serious business of picking just the right pun for my new boat's name or whatever it is rich people do with their time. So let's start there.
What WOULD Reddit do for work if people actually got to choose? Let's find out.
Ranger DangerNational Park California GIF by Ovation TVGiphy
"Park ranger. Specifically at Banff National Park."
"Yeah, I was thinking the same. However, it’s becoming an increasingly dangerous job these days I have heard."
"One the one hand maybe it's just misbehaved tourists who are becoming increasingly obnoxious, and on the other hand hardened, armed criminals trying to do their business in private."
"Criminals like hiding in National Parks, feeding themselves by spotlighting game (whatever they can shoot they will shoot) and using gill nets to catch dozens and dozens of fish."
"Each ranger has a LOT of area to keep under control, it’s not unheard of to pull over a truck and 5+ guys come out, fully armed and it’s just you by yourself until backup arrives."
"Former Ranger here. The job and positions of a Park Ranger vary widely."
"It does have its perks and I really liked it, but it also sucks in ways and has big drawbacks. Humans are the worst animal to have to manage."
Effort And Criticismsacha baron cohen hotel GIFGiphy
"USD 400,000 per year, right? I’d say be a hotel / resort critic."
"That way I get to travel, stay comfortably & get paid for a rather (seemingly) low effort gig."
"I've been in travel positions before, it's pretty fun for a bit but as 'spoiled' as it sounds, hotel and restaurant living get tiring after a while."
"Sometimes it's better to just come home to your loved ones or pet or whatever."
"I did that while I was single. I don't have kids, but I can't imagine being in that type of role when you do."
"Being away from them plus putting the entire burden of raising children on your spouse? Not for me."
"I met a girl several months ago who is a travel journalist and gets paid to do this very thing!"
"While I do get envious of all her comped trips (since I met her several months ago she’s been on fully paid trips to Oaxaca, Curaçao, a couple of luxury Caribbean cruises and had to turn down a trip to the German Christmas markets) I get the impression her job is a lot more stressful than we’d all imagine."
"She says pretty much every minute of each trip is filled with activities she’s expected to write about with very little down time."
"She’s lived all over the world with her job but also never really put down any roots, so that’s a downside. Even so - I enjoy living vicariously through her travels!"
Let's Go LegoAwesome The Lego Movie GIF by TrolliGiphy
"Lego set designer"
"A LEGOland near me just posted a position for a master builder and i was like 'f*ck yeah!' ..."
"except that it pays $12/hour."
"Yeees! This has been my dream job since I was a kid. Only reason I’ve never pursued it is because it doesnt pay well."
"I didn’t even think of that!"
"My cousin and I love legos soooo much, I have that Disney castle set and we are constantly making the most random things. If I became the top set designer, there would be a lot more weird sets lol"
Helping Hoarderskhj GIFGiphy
"The same business I have now. I help the elderly and hoarders organize their homes. I quite a job that payed well and to do this and it is so rewarding."
"A simple tip: To maintain control over a hobby/collectables, designate a space for it. If it overflows that space, it is time to rethink the activity."
"It may mean finding a bigger space, or looking for outdated or unused items for that hobby. This helps to maintain control and keep the hobby from taking over."
"This one sparks joy!"
"I’d love to know more about this. I worry I’m a hoarder sometimes."
"I am not a psychologist so please take this with a grain of salt, but from my experience the term hoarder is often misused. Hopefully this will be helpful to you!"
"I have helped people who have ranged from perfectly normal to people with head trauma. Yes, they can all be categorized as different levels of hoarding, but I try and focus on the reason why they hoard, rather than the term itself."
"Customer 1: was a lady whose house was just a mess. Not disgusting, just nothing was organized. She had a lot going on and was feeling very overwhelmed and her place was taking a turn for the worst."
"She was a bit ashamed and kept indicating how she was a hoarder."
"In the end, over several sessions we cleared out the garage, the living room, the bedrooms, the dining room and never once did she hesitate to throw something away. She wasn't a hoarder, she was overwhelmed. So this was solely situational."
"Customer 2: Another lady, good friend of mine too, very much fit the typical hoarding situation. In her case she was just really bad at putting things away and thus everything ended up, everywhere."
"She still has this problem, but as long as I come over from time to time, stuff gets put away. She has been really good at throwing away or donating items, but she needs someone to sit down with her to help motivate her."
"Customer 3: A gentleman who was my inspiration to get into this business is probably the closest to the true nature of a hoarder."
"He received a blow to the head many years ago due to an accident. Because of that he has had difficulty staying on track. He looses focus frequently and thus things fall to the wayside."
"I go over from time to time to help him clean up. I will make him return stuff he buys when he really does not need it, because he easily becomes distracted. He forgets to return it or that he even bought it."
"I can get him to get rid of stuff, it just takes a good deal of prodding and coaxing."
"In the end, With all my customers I tell them to stop focusing on the negative. Don't worry if your a hoarder, rather spend that mental energy on what you can do to move forward."
"Tip: if you need an idea for a first step, Listen to a podcast or you tube video on organizing."
A Place For PassionNervous Season 6 GIF by Paramount+Giphy
"I’d want to own studio space where people could take classes, not just art or dancing but also like general hobbies to knitting, sculpting, writing, photography."
"I want to help people find a passion and explore it. And I’d be able to support others by paying them to teach their own passion."
"Look into maker spaces or hacker spaces. That literally exactly what they are!"
"I've seen them have facilities and classes ranging from running a cnc machine to beer brewing to programming."
"Membership is typically expensive (50-200 a month) but most give discounts or free membership for teaching classes.
Keep in mind I don't know if they are running with covid."
"There's a place near me called Handmade Toledo that does this!"
"The front of the building is a storefront where local artists, makers, and crafters can sell their stuff (anything from t-shirts and cards to candles and soaps, including snarky greeting cards and patches)."
"The back of the building is an events space where they have classes a few times a week, and a big event once or twice a year where more artisans come and sell their stuff."
Dungeons, Dragons, And Daycare?how to train your dragon smile GIFGiphy
"I would run Dungeons and Dragons campaigns for k-6 graders to teach them about problem solving and conflict negotiation."
"I use D&D to teach conversation strategies and cross-cultural communication to Japanese university students and it’s f*cking great."
"I think every pre-school/lower school should hire you, this is a fantastic idea to implement those values while having fun!"
"One of our friends runs dnd campaigns for kids as a way for them to work through their trauma."
"I don't know all the ins and outs, but it seems to help them. My husband has a 3D printer so he prints their mini figs for them."
OK Go Away NowSeason 5 April GIF by Parks and RecreationGiphy
"I’d like people to enjoy my work, but otherwise forget about me and leave me alone."
"I went to a lecture given by Andy Weir once and he said that writing is a great way to be famous because you’re famous for a few weeks when they make a movie out of your book and you get invited to parties and stuff and it’s a lot of fun, but then you get to go back to civilian life rather quickly because everyone forgets about you pretty fast."
"So you get a taste of the celebrity life every now and then but you’re not stuck in the spotlight all the time like someone in the film or music industries."
"I second this! Reclusive writer would seriously be an awesome job to have and make $400,000 doing."
"A mysterious person that everybody knows by what you do; but whose identity is unknown because all you put are your initials, rather than your full name? Before you know it, you're both the most famous yet unknown person that everybody is talking about."
Here Kitty Kittycat lady cats GIFGiphy
"Cat rescue and rehabilitation. I do it for free when I can, so it would be awesome to be paid for it and have actual resources."
"My family used to do this as well and it was so much fun growing up with up to a dozen cats in a town house at a time."
"Had a friend who co-owned a rescue. It’s good work but man was there so much drama from cat people. Half of her energy was spent managing different crazy personalities who volunteered."
"She ended up stepping down to a smaller role and opening a cat cafe."
Masters With No Moneyshocked oh my GIFGiphy
"Librarian. Let me teach all about and facilitate the free borrowing of books while arranging events and services that help bind and strengthen the community."
"I would do it if librarian pay could support even myself decently. A lot of public service jobs (like librarians and teachers amongst others) do not pay very well and it can be hard to support yourself on such a salary, let alone a family if you want to have one."
"Still, if the issue of being able to live on the salary is taken out of the equation, I would choose to be a librarian every time."
"Oh man, my mom was a librarian and it is a real calling for some and I so love and respect that."
"Librarians are amazing!!!!"
"This was absolutely my first thought as well."
"I was halfway to a master's degree in library science when I did several shadow sessions. Everyone I talked to had gone to school for library science and was working part time shelving books and waiting for a librarian position to open up. Unless I was willing to move, it really didn't seem like a good option."
"It's a profession where the expectation is to have a masters degree and the pay scale for the vast majority of positions does not reflect that."
"I AM a librarian and it would still be my answer for this thread, but you'll often get that because you have to want to do this job to do it for the kinds of pay you can expect."
"I'm just lucky I'm in an academic position rather than public as that tends to set the starting pay a bit higher."
What's Up, Wonka?Animated GIFGiphy
"Ice cream truck driver, but everything is $1 or less. Or maybe running a candy shop."
"While I’m at my mentally draining job, I dream of just being able to make people smile, but I just can’t afford to live on the money that provides."
"There was this man who had an ice-cream truck that went around my neighborhood (I lived near a small park) and he was so nice. He couldn’t speak English well, but he just radiated a warmth around him that can never be bought or sold."
You know what Reddit would do, but what about you? If you had enough money to be comfortable, what job would you happily get up and go do?
Is there a job you wouldn't do even if someone offered you a $400k salary?
What's your labor worth? Let's talk about it, fam.
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We can't explain many people's actions, especially if they are peculiar.
But as long as whatever activity they're engaged in isn't hurting anybody, as well as themselves, who are we to judge?
Ah, but plenty of us will silently be judgy.
Some of the activities unfolding before us can be outright bonkers, and we just have to wonder what makes them do the things they do.
Curious to hear about how others might be perceived in public for doing certain activities, Redditor LordP*yF*ker asked:
"What’s legal but if you do it you still look like a psychopath?"
Why anyone would do the following is anybody's guess, but at least the question was answered.
They've Gotta Latte Nerve
"Going to Starbucks and ordering a milk with ice."
Going Nowhere Fast
"walking backwards in public."
"So I saw this couple walking backwards down the middle of my street and thought 'huh weird.'"
"Looked out the window 1 minute later and there they were again walking backwards in the same spot."
"Went to the kitchen window and again walking backwards, but I had never seen them walk forwards to get back to that position."
"At this point I think I'm stuck in a time loop. I show my roommate to prove I'm not crazy and this time we see them walk forwards back to the top of the street. So we watch them for several cycles just walking forwards, then backwards, up and down the street, just holding casual conversation."
"Figure it must be a workout routine or something but wtf..."
What's Up, Doc?
"Paint yourself orange, dye your hair green, stand in a hole and pretend your a carrot."
Reach For The Sky
"Flying a kite at night."
"Working out in a suit."
"I had a classmate who did phys ed (also) in a suit. He only had suits, about 20 times the very same outfit, including shoes and ties."
Could something more sinister be at work here?
After all, these activities are NOT illegal, right?
Midnight In The Garden Of Evil
"Digging holes in your backyard at night."
"Just doing some night digging."
"Wearing the skin of a roast chicken like a mask."
Here's A Treat
"Offering candies to kids with a van with homemade logos."
"Wearing a wedding gown to someone else's wedding."
"In pakistani culture its perfectly normal to wear your own wedding gown to someone elses wedding. The gowns are very color full and heavily embroidered."
Just because it's a preference doesn't mean you won't get an awkward reaction.
"Pulling your pants/underwear all the way down to pee at a men’s urinal."
"I knew a kid in elementary school who did this. Normally he would use the stalls but one time he did it at the urinal and yelled 'oops I'm not in the stall' then turned and made and held eye contact when I looked cause he yelled."
Look Ma, No Hands
"Eating in public without using your hands at all."
"Like... just face first?"
"Eating a banana with the skin on."
As a subway commuter in Gotham City, I've seen my fair share of crazy on the train.
From unprovoked altercations, to riders taking up precious sitting real estate by spreading their legs wide open, there are many offenses committed by strap-hangers all the time.
My biggest complaint is a common one and it happens as I try to exit the train and my path is blocked by commuters standing on the platform who are simultaneously rushing to get in.
It happened very recently where a guy was standing directly in front of me, and he refused to step out of the way.
I asked him, "so are you just going to stand there?" His choice to stand on solid ground gave me my answer and I aggressively nudged him out of the way with my shoulder.
I didn't have patience for it, because like many of us stepping out of the train, we had places to go.
That being said, I don't highly recommend what I did. As I said earlier, I've seen my fair share of crazy on the train and you never know who you're going to piss off.
I can't wait to be a car-owner again someday.
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