One of the hardest things about "adulting" is having to figure out what the best financial decisions are. What's a good investment? Do we get that 401k or pension when it seems like they're all being taken away from people all the time? Is stuffed crust pizza really worth the extra cost?
One Reddit user asked:
What's the worst financial decision you've ever made?
We'll admit, there's like $7 in the bank right now, so nobody crown us financial wizards or whatever - but even at our worst we've never screwed up quite as bad as some of these people.
1. Wedded Bliss
Paid $80,000 for my wedding and honeymoon last summer. Getting divorced this summer.
Honestly, our relationship kind of changed after the honeymoon. We used to have a very active lifestyle, lots of hiking, traveling locally, just going out and doing fun stuff around the city, cooking together, walking the dogs, etc.
She got her first job (social worker - nursing home) after we got married and started going to work (9 to 5). She was always tired after work, I'd come home at like 6 or 7 and she's already in bed. Weekends were worse, slept in until almost noon. Feeling tired and headaches were a nearly daily occurrence.
She preferred to stay in and watch TV, or go spend time at her parents' and would get very upset if I didn't want to go to her parents.
We stopped doing all the fun things we used to do. She would rather facetime her parents or her kid brother or girlfriends then get out of the house and go somewhere with me. I asked her numerous times to see a doctor, or a neurologist, or a psychologist, someone who could help with the situation. She went to see a GP and a shrink, nothing ever came of it.
I went on a few hikes by myself as she did not want to go. All I got was complaints from her and her parents about why would I leave her at home and go somewhere. Her parents getting involved only made it worse as they refused to do anything constructive to help and would rather blame someone else, me in this case.
Eventually, she just left to her parents. Took as much of her stuff as she wanted and all of the wedding gift money. That was about $14,000. She left any old stuff she didn't want and the two dogs that I got her.
On my 18th birthday, I stopped by a store and bought my first lottery ticket for $1 and scratched it off. I won $5!
That feeling of "winning" and being "ahead" was quite lovely. But I knew that the only way I could stay ahead was never to play the lottery again for the rest of my life, and be happy with that extra $4 or play the lottery more until someday I won a bigger prize. I've spent hundreds of dollars since then on lottery tickets chasing plan "B".
3. The Money Pit
Buying a "money pit" house.
It was architecturally interesting and loaded with character, but in constant need of expensive repairs (as is often the case with older homes).
It seems as though the house "owned us," instead of the other way around.
4. No Degree Needed
Going to a university to gain a job that didn't require a university degree. I make decent money. I'm barely able to keep my head above water because of my college debt. Once I left school I was making minimum wage while trying to pay off 60k in debt which isn't exactly easy. As a result my loans went into default. Today I don't use my degree even though I have a job I love.
Never look down on skilled trades. I made that mistake that trades were for those who can't understand or get into higher learning. Don't fall into that trap. The people that I work with are rough around the edges but incredibly brilliant. I should have ascribed to the philosophy I do now, "if you're the smartest one in the room, you're in the wrong room." I got lucky and am able to hold on and pay them off because I have a decent job and became a specialist in a niche field. If that didn't happen I would be broke and bitter with only my own arrogance to blame. There are many types of intelligence and I was wrong to dismiss those I didn't understand. It was a hard lesson but one I won't forget.
5. For A Sword
Sold my car for a sword. It was a replica worth maybe $40. It ran perfectly, and only had some small superficial damage. Blue book, it was worth $2,300.
6. A Year's Subscription
Once in a moment of weakness I bought a year's subscription to an "adult dating site." That was a regrettable and embarrassing choice.
7. Trust Fund Money
When I turned 17 due to some unfortunate circumstances I inherited part of a trust fund that gave me an outrageous income for someone that age. I started building a ridiculous Jeep CJ-8. As I was doing most of the work myself I needed something to drive in the interim that could double as a daily driver as well. A brand new Porsche 928 S4 fit the bill. By the time I started college that fall I realized what a douchebag I was because the Porsche wasn't suitable for New England winters and the Jeep would have to be shipped because it had a useful range of around 120 miles per tank. Learned an expensive lesson about depreciation when I sold the Porsche to buy a reasonable car and an even more expensive lesson about what money pits custom cars are.
8. Credit Cards
When I was 18 I got my first credit card because every other day I was getting the s*** in the mail. Without reading anything I chose one on the highest amount, 250. Not even two weeks later I paid for concert tickets for myself and three friends after them agree they'd pay me back. I never got the money back and because I couldn't pay back I started earning interest, an amount I don't remember but my mother called it "extremely f-ing high" and she wasn't one to cuss.
Screwed my credit for years and once I got things going good Bank of America f-ed me over when they started their "we're going to drop the more expensive payments and make you pay for the half dozen over drawn items instead of going by the date of the item" that ended in a civil suit which got me nothing except a worse credit rating.
9. Financed A Dell
In 2007 I financed a Dell laptop. It was something like a $2200 laptop and of course my 17 year old brain didn't understand what the implications of a minimum payment were, plus I didn't listen to my parents. Every monthly payment was like 95% interest. Paid it off in 2012 paying something like 50% more than the cost of it.
It was a life lesson and now I only finance things if there's 0% interest if paid within so-and-so months. I've dipped my toes into financing for a mattress, couch, television, and other things since then and always paid off before the grace period ends. I'll never make the same mistake again.
10. Custom Boomerangs Are A Thing?
$200 on a custom boomerang. Went to the field next to my high school, first throw, curved more than I anticipated (having never thrown a boomerang before in my life) and went right through the bay window facing the backyard of some poor sap's house. Never got it back, never got another one.
They say you can never have enough of a good thing, but we all know there's plenty of stuff that you'd like to just go, "Oh, no thank you" about and that would be that.
Unfortunately, that pretty much never actually works.
Try telling the electric company "no thanks" when the way too high bill comes, or just putting up a hand to decline work for the next week or so because you're just kind of over it.
Consequences and repercussions, folks. But you've got to admit some stuff would just be better if it was... less.
Reddit user DuckyMomo_12 asked:
"What’s something that would be 100% better if it was slightly shorter?"
Time At WorkExcited Happy Hour GIF by Boomerang OfficialGiphy
"Average work hours"
"Seriously. My current company has us work 37.5 hour weeks with a paid hour lunch. I don’t know if I could go back to the 40 hour/unpaid 30 min lunch again. It seems like such a small change but it feels like a lot."
"Everything is getting more expensive right now because of corporate greed. Don't buy the bs that it's just inflation."
"Your bosses are making profits and squeezing you for everything you're worth in the process. Remember that while you bust your @ss for them."
"So would you take a pay cut so you can work less?"
"If you work less, yes. But if you do the same amount of work in less hours, no."
"I moved to US a the beginning of this year and that is something which drives me crazy. People are so inefficient when they work, here."
"Why not just do your job rapidly, with great care and concentration then leave to have your life?! I was in Germany, UK and France before and that's what people do. You do your job and when it's finished, around 3 or 4 pm, they just go home or to gym, or other places. Having time for you is the reward for working well."
"Yeah that's a good way to look at it"
"My nose hair."
"Dude... tell me about it. I didn't need excessive nose hair at 26, why TF do I need it at 36."
"Seriously, I can trim for minutes and the next morning I got nose hairs coming out my nose tickling the sh*t out of me!"
"Oh and there is one cheeky hair all the way up in my left nostril that will grow all curled up in my nose and all of a sudden it just starts poking out, seriously now, this thing has grown to about 2 inches long. if i pull on it, I swear to god it feels like it tugs on either the back of my head or my left eye."
"I got nose hair for days."
"I just bought a beard/hair trimmer that has a nose/ear hair accessory, my nose hairs weren't excessively long but I feel like it looks much better now!"
"This is fortuitous cuz I wondered if I'd ever get to tell this story! Literally, cleaning/fixing things in my new home about 3 hours ago."
"My nose got tickled and I i couldn't rub it because I had wood glue gloved hands. So I'm washing up and staring in the mirror at all the stuff my (generally maintained, but neglected because I can't find sh*t) nose hairs kept out of my system. It was AMAZING! DUST WAS DANCING IN MY NOSE HAIR LIKE I'VE SPUN CHARLOTTE'S WEB."
"I, honestly, felt lucky to get a chance to appreciate my nose hair. And I hope 1 day you do, too. As for me? I'm still left in awe like that'll do, pig, that'll do."
Lines For FunEpisode 2 Waiting In Line GIF by The SimpsonsGiphy
"Lines at any amusement park."
"Go during September or October. The lines are much shorter and the weather isn't too hot or cold"
"One year my father's company and maybe a couple others rented Disneyland for one night. There were enough people that it didn't feel empty, but not so many that we couldn't just walk right up and immediately get on any ride. I was old enough to be on my own."
"One of the big perks of staying at one of the Disney hotels is they have certain nights that the park closes for everyone but the people that are staying there. We chilled at the hotel for most of the day then went in late and walked up to every attraction we wanted. My kid loved space mountain and we must have ridden it 10 times in a row. Glorious."
"Me. I hate hitting my knees on the seat in front when using public transport"
"Tall gang represent. Got the opposite problem tho, 31 inch inseam, all my height is torso. Crack my head on every ceiling in every personal vehicle I've ever owned bar one"
"I don’t fit on airlines. Flying sucks…"
"Frequent festival go-er, I always stand in the back because I hate blocking other peoples view"
"You took the words right out my mouth"
This One Is Advance
"Queues. This is a two for one, as the word queue would also be 100% better if it was shorter."
"The word queue is just the letter Q with a bunch of extra letters waiting in line."
"I've seen people using 'cue' like 'cue up', but idk if they're just americans that suck at using the right word because we don't call lines 'queues' as often."
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"The amount of time you need to sleep"
"How I wish 5 hours was enough..."
"I honestly wish I could sleep more, maybe it would help with my loneliness. I usually need 6 or 7.5 h based on prior activity"
"Supreme court appointments."
"Justices should serve an 18 year term, with each one staggered every two years."
"A: that is still plenty of time so that the court can be "above" politics, but a lot more sensible than a lifetime."
"B: it would eliminate this hair-on-fire panicked emergency that happens every time one of them suddenly dies and needs to be replaced. Every president gets to appoint two new justices per term like clockwork, predictable and calculable. No more political wrangling over who controls the Senate vs who is president vs how much time there is before the election and all that BS."
"Agreed. Lifetime is a bit much... I do believe in term limits across all branches of US govt . By all means make a difference for the people that voted for you or for the party that appointed you. But, a lifetime appointment. 🥺🙄"
NFLCollege Football Running GIF by Boomerang OfficialGiphy
"Football (American) games. Especially things like replay reviews and timeouts after kickoffs and change of possession. Sure, guys would get more tired and worn down late in the games but that would be part of the strategy."
"I grew up watching football with my dad. I always hated it (and still do) and always thought why do people enjoy watching a minute play with five minutes of whatever after before the next one, it's so goddamn boring to me."
"A football game is played in 4 quarters, each 15 minutes long, with a 12 minute halftime in the middle. So do the math and a football game lasts. . . 3 friggin hours!?!? And the last 3 minutes of the 4th quarter accounts for 45 minutes of that time!"
"As a big American Football fan, I completely agree. I think the biggest culprits are the endless commercials but 3 hours is just too much. The players would adapt and you would likely see some reduction in size, especially on the line. Being 400 Lbs with that amount of PED assisted muscle is questionable as it is."
"Same thing with baseball but the purists like the pitchers taking 20 minutes before each pitch for whatever reason. I like Soccer too and watching a match get knocked out in 1.5 hours and getting on with my day is great."
More Days To Enjoy
"Work week, 4 day work week, 3 day rest would be fantastic"
"I used to do 4 day work week, and I preferred it more than 5 day work weeks. Sure, I had to spend 10 hours at the office, but that 3rd day off gave me a day I could take my Mom to the doctor if needed."
"The job I worked the longest at had me on a 4 on/4 off schedule. 12 hour days. I was there for 8 years, honestly loved that job, and one of the cool things about working 12 hour days for 8 years was that it made transitioning to 8 hour days a breeze. The downside was 2 day weekends f*cking suck."
"I would love that. You need the middle day. Then you get a day to rest/decompress, a day to have fun/do things, and a day to do chores/get sh*t in order for the week."
"Most recently, Gray Man. They need to chill with the 2+ hour movies."
"If the writers really knows what they are doing with the story and the actors nail the, well, acting, I don't mind 2hr movies."
"For me the main issue is that they tend to cut short, as if they halfway through filming realize that 'Oh shoot, this movie will end up 4hrs long'."
"I'd rather have a 4 episode mini-series with hour long episodes instead."
"I feel like any bollywood movie not clockin in at 3 hrs is pretty short. But the good ones make it seem short. Ex: Three Idiots, PK"
Which of these resonated with you most?
More importantly, what needs to be on this list that you don't see?
Gripe with me in the comments, folks! It's always a good time.
Life is a mystery full of mysteries.
Some we'll finally get, some will stay a conundrum forever.
Sometimes no matter how much we study or agonize over a piece of information, it just doesn't click.
But that's okay, we're all here to commiserate.
RedditorDangerous_Mobile9188 wanted to discuss what aspects of life still leave confusion.
"What do you genuinely not understand?"
Life is full of quandaries that I give up on trying to figure out.
Everywhere?Emoji Corona GIF by BallcomGiphy
"Why people can't use a public restroom without literally pooping all over the freaking toilet."
Around the grooves...
"How a single needle can run through the grooves on a record and produce a fully layered and 'separated' sound. I mean, I get how it works in theory. But like... how TF does it work?"
"I know how it works, and I understand how it works, and I was gleefully trying to convey this knowledge to a friend when I realized that I am not able to explain how it works, which essentially means that I don’t actually get how it works."
"The thought process of a cat trying to jump on a shelf that is clearly filled with stuff and doesn't have space for it to land safely."
"The opposite, actually... how on earth does my cat jump on a shelf filled with stuff and somehow always land elegantly with all four paws between all the stuff without dropping a single thing? It surprises me every time."
"50% of cats have a 6th sense to avoid everything and 50% of cats are clumsy as hell. 100% of cats think they have the skill though."
"How consciousness works."
"I'm shocked no one has replied to this. Because yea. I haven't the slightest clue and i honestly don't think scientists know exactly how either. Such a complex system that turns into our thoughts and feelings, this is one of those things that REALLY made me appreciate the intricacies of our bodies."
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"Every time my grandmother sees me, I seem to grow taller and more attractive."
I love grandmas. They understand everything.
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"How people can raise a functioning family at the age of 18 or 19? I can't even hold my own life together."
"Squatter rights! They confuse the hell outta me."
"Right! So you’re telling me, I can get evicted/foreclosed for missing some payments… but you can’t get rid of squatters who declare a house theirs ? I should just become a squatter then haha."
"Squatting is basically the same. It's not that they just get to live there, but the landlord has to use the proper legal mechanism (eviction) to get rid of them. And sometimes, that can take quite some time."
"How crypto mining works... like what exactly are these huge setups doing and why do GPUs matter so much? I've read several articles about it and I still don't get it."
"This is an oversimplification, but they're trying to solve a math problem. If they get the answer, they get rewarded with crypto. But the math problem is very very hard. There's no 'steps' to find the answer, it's just guess and check."
"So you need to make as many guesses as possible to see if one of your guesses is right. And it just so happens that GPUs are very good at making these guesses. So if 1 GPU can make let's say 22,000 guesses every second, then two GPUs can make 44,000 guesses every second. 10 GPUs can make 220,000 guesses every second, and so on."
"The wave-particle duality."
"This is the one man. For me this is the biggest mystery. Look, I don't care how the universe came to be. I mean I do, but this is much crazier to me. HOW DOES REALITY REACT DIFFERENTLY BASED ON OBSERVATION ALONE I sear this haunts me at night. Do i even exist man."
"Long story short, observing something at the quantum level is not as benign as observing, say, a runner on a racetrack. In observing something so small, the mere act of doing so affects the behavior/outcome. Imagine having to knock the aforementioned runner over in order to know where they are on the track. That's more or less how it was explained to me."
MagicRoss Mcelwee Photography GIF by FilmStruckGiphy
"Cameras, I’ve been explained and seen explanations 100 times. It’s still magic to me."
Maybe there are just somethings we're not meant to understand.
We all want to attain it.
Some people dedicate their lives to having it.
But who can say what is and is not attractive?
The older you get, the more serious and realistic you get with the topic.
And grapple with whether it really matters.
RedditorBig-Courage-7297 wanted to know what some people really thought when they looked into a mirror.
"How hot do you think you are? Why?"
Depending on the minute and the era, I fluctuate in my response. Oh, and depending on my sodium intake.
Middle of the way...Mackenzie Ziegler Makeup GIF by Brat TVGiphy
"5, am not ugly nor a beauty."
"'Perfectly balanced, as all things should be' JK... you probably look great."
"I give myself a solid 'alright for an old guy' out of 10."
"Comparing myself to when I was young I feel like a 2. However if I look around at other guys my age, I'm doing pretty great. Simply still having a full head of hair puts me in the top 15%."
"Occupying the latter half of the age bracket here too. And while I’ve never considered myself wildly attractive, one of my wife’s work friends once remarked to her, 'you didn’t tell me your husband was a silver fox!' I keep that one in my back pocket for gloomy days."
"My mom said I'm a 10/10."
"His mom also said I’m a 10/10. Im starting to think she says that about everyone who’s been inside her."
"Don't listen to these jealous haters you be that 10/10 and strut your stuff."
"Learning to love yourself, doesn't mean you don't see your own flaws but know where to improve and where and how you want to grow. Appreciate the goodness within even when it's hard, and work to have your ideal to be reflected on the outside too. Loving and forgiving yourself is the greatest peace you'll know, because everyone else might be gone at the end and you'll be left with you and your memories, make good ones. Spread positivity. 💕"
Changes with time...
"I think most people's scores fluctuate with age. I like to think I was a solid 8/10 in my early 20s. Then my metabolism crashed and I was working a desk job. I got real fat, got lazy, less effort, dropped to a 4/10. Got my s**t back together, lost the weight, started putting in the effort again, back up to an 8 if not higher in my 30s."
"Then I had a traumatic event in my life and I slipped into a dark place for many years. I put on weight again, stopped putting in the effort, general depression stuff, 5/10. Now I'm in my 40s, working on keeping my weight down, putting in some effort, solid 6/10..."
"But no matter what has happened, how low or high I've been... my wife has always considered me a 10. She's the best woman I've ever met and will always be a 10 to me too."
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"6 or 7 on a good day? 1 when I try to take a picture of myself."
God I hated picture day. Still do.
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"Solid 5. 6 on a good day with a fresh haircut."
"I have days where I think 'God da*n, look at me. I’m God’s gift,' and then other days where I think 'how does every mirror not break?'"
"Actually though. Part of it is I used to be super athletic but due to an injury now can’t, but go**amn, I could look quite literally like a sculpture of a Greek god or hero, but also a balding baby-faced creep. Also occasionally homeless. More often the two latter than the former"
"I think I was a 6 growing up. But now that I've matured into my late 30s I'm a solid 7."
"This is me except as a kid I’d give myself a 3. Long-haired greaseball in my teens but now in my 30s, exercising for the past decade has really helped me out. Solid 7/10."
"Man, I went from 4 to 8 to 5 in the span of 20 years. Metabolism is a *itch."
"I just remind myself that the me that looks bad in in some pictures/at some angles is the same me that looks good in other pictures/other angles, just a different version. There are some angles and types of lighting and mirrors that for whatever reason, will make just about anybody look bad. There is no such thing as someone who looks good when the phone camera opens itself and shows a view of you from under your chin."
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"I was objectively pretty hot when I was younger. Now I am an older hot, which is weird. Younger guys really dig me but I’m like, you weren’t even born when the Challenger blew up and I was at Uni."
We're all beautiful. Just keep saying that. Maybe it'll stick.
Humans rarely agree on anything anymore.
So it's refreshing when an agreement is reached among peers.
Even if it's usually about simple or dumb stuff.
RedditorBertarioni85wanted all the gents to sit and discuss some of their universal agreements.
"What is something that all men could agree on?"
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"The nod really is great and so versatile. It's like a 'What's up man... everything cool' Ya me too. 'Wulp see ya later.' Just perfect."
"If there can be an empty urinal between us, make it so."
"There are men out there that break this rule! I was the only one, and at the far right end of a row of 4 or 5 urinals. Man walks in and pulls up right beside me, unzips, and let’s her flow, all while audibly exhaling in relief.
When you gotta go!
"That we are happy we get the short bathroom line."
To add to this, I still marvel in amazement and am grateful when I walk into a bathroom at a stadium or sporting event and it's just an endless column of empty urinals. Then you see the ladies bathroom line wrapping around two different corners. There's so much room for activities in the men's bathroom."
"Lady Professor in college (2008) said I’d make an incredible husband to my wife someday. Girl at the drive thru line said I had a cool car in September of 2015. Lady gas station attendant complimented my outfit that day and said I had a good vibe (2018). Cashier said I was handsome while ringing me up a couple weeks ago. Point is we never forget when we get complimented out of the blue."
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"Click the tongs a couple times to make sure they work first."
"Makes me feel like a crab… a very powerful crab."
Wow. Guys are so easy. Like super easy...
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"Whenever we pick up a drill we have to do the bzzt... bzzt twice. No more, no less."
Sticks and Stones
"I picked it up because it’s like, a really good stick."
"I wonder if that's instinctive. I've read before that human anatomy is almost perfectly engineered for throwing and thrusting spears. Maybe men have evolved to be able to identify really good sticks and even now we're drawn to them as a vestigial trait because instead of relying on claws or teeth, our ancestors needed good spears."
On the X
"Put two men on the phone, and we’ll be done talking in two minutes. Put two men on Xbox live, and oh is it 2:00am? I should probably go to bed… after this game."
"This is so true. A few weeks back a good friend called me at 10 at night because he’s been having a tough time with fighting depression and all that. I talked to him for a minute or two on the phone, cheered him up a bit and offered to keep the chat going on xbox live. Turned into an hour and half of a good time talking and playing COD."
Gotta have it.
"It's better to have and not need than to need and not have."
"It's so bloody annoying not having the right tool for the job when you need it. I so long for the day when I will have a fully equipped garage with every tool I would ever need, to fix everything that needs fixing."
"My sister's car has cutlery, both steel and disposable. Have sewing kit, a flask, a bento box, and a complete stationery set. But, they don't even have a freaking umbrella and jumper in the car. Like, wtf. And mind you, we live in a tropical country where you should always assume every day is a rainy day."
Nothing!Ellen Page Sony GIF by FlatlinersGiphy
"Sometimes... I really am thinking about nothing. Literally... Flatline, nobody home, crickets in the field."
Ah men. What a quirky part of the species.