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.
Conspiracy theories are beliefs that there are covert powers that be changing the course of history for their own benefits. It's how we see the rise of QAnon conspiracies and people storming the capital.
Why do people fall for them? Well some research has looked into the reasons for that.
The Association for Psychological Science published a paper that reviewed some of the research:
"This research suggests that people may be drawn to conspiracy theories when—compared with nonconspiracy explanations—they promise to satisfy important social psychological motives that can be characterized as epistemic (e.g., the desire for understanding, accuracy, and subjective certainty), existential (e.g., the desire for control and security), and social (e.g., the desire to maintain a positive image of the self or group)."
Whatever the motivations may be, we wanted to know which convoluted stories became apart of peoples consciousness enough for them to believe it.
Redditor Lopsided_Confusion57 asked:
"What's the wildest conspiracy theory you fully believe?"
We can't say any of these are true but sometimes it's fun to speculate.
The time traveling cyclist.
"The Australian cyclist Mick Rogers is a time traveler."
"In the 2002 Tour Down Under, Rogers was in a great position in the breakaway and looking to move into the overall race lead but a collision with a motorcycle left his bike out of commission. With the team service car and mechanics way down the road, it looked like Rogers' chances were gone. Then a cycling fan, who just happened to be at that precise point in the road, offered Rogers his bicycle to continue on. The bike also just happened to be the *exact* model of Colnago that Rogers had been riding. It was the correct size, right down to things like the stem and crank lengths. It even had the same pedal system that Rogers was already using, so he could just clip in and be away. He finished that stage and took the race lead, which he held on to all the way to the end for his only career win in his 'home' tour."
"My theory is that in the original timeline, Rogers didn't win the 2002 Tour Down Under. He quit cycling in anger and devoted his life to theoretical physics and solving the problem of time travel just so he could arrange it to leave himself a spare bike where and when he needed it."
"I'm on board for whatever book or screenplay you write."
"Wait, so if Rogers motivation to find ways for time travelling was losing 2002 race, and if he won, then Rogers never found time travelling and our time line is forever devoid of genius like Rogers who would have found time travelling and attended Hawkins party."
"Yep, exactly. Our timeline is stuck with boring old Mick Rogers, 2002 TDU winner and 3x World Time Trial Champion while some other, much cooler, party timeline gets Mick Rogers, the second coming of Einstein. He probably even cures Covid for them."
The best money making stunt.
"Information is leaked from a studio about an upcoming project that p*sses off the fan base. The studio will then change things to keep the fans happy. The conspiracy is the original leak was just a lie to drum up free publicity for the project."
"This made me think of the Sonic movie. No way in hell were they going to make Sonic look that bad. Put out a fake trailer with him lookin all scary, everyone is talking about it. Wala. Take a bit to say you're fixing his look, put out a new trailer. You just drummed up tons of publicity since people are now following the story."
"I have mixed thoughts to that one."
"I mean 'No way in hell were they going to make him look like that.' Buddy have you seen the cash-grab BS that Hollywood has pulled off before? Hell, when was there a movie based off a game that wasn't exactly as bad as that Sonic looked?"
"I will admit that they may have done that as a publicity stunt, but I also admit that they could have thought it looked fine."
"Have you seen … CATS?"
"100% of the population believes that Putin has had people killed for political reasons but only a very small percentage of Americans believe that American politicians would ever do so."
"I mean, there's a reason the joke/saying is, 'The highest award a journalist can receive is being assassinated by the CIA.' There's probably been a handful who may've found out one too many things on the elites, and then had an accident before they could publish their findings."
"Ohhhh boy then south american journalists in the 60s-80s have been awarded way too much."
"MLK was literally murdered by the government."
"Lots of Black Panthers were too."
'"As part of the larger COINTELPRO operation, the FBI was determined to prevent any improvement in the effectiveness of the BPP leadership. The FBI orchestrated an armed raid with the Chicago police and State Attorney on Hampton's Chicago apartment.'"
"Quote from the Wikipedia article on Fred Hampton."
Conspiracies for the conspiracies to cover up the conspiracies.
"The CIA creates conspiracy theories to provide cover for the real conspiracies."
"It's actually kind of scary how smug anti-conspiracy discourse is used to derail actual conversations. A moment that chipped my faith in humanity just a little was when I was arguing with some people about Guatemala in 1954 and people denied my version of events happened 'because it's a conspiracy.'"
"Like no the parties involved admitted to it."
"If you don't know what I'm talking about and are from the USA you should have a google. But, basically the USA destroyed a democracy because it made a corporation sad."
"What's worse is when people will talk about how corrupt insert what politicians they don't like are, but then when you mention something that is actually confirmed to have happened, they pull the conspiracy theory card and act as if the idea people in power don't want to secure further power for themselves."
"We have been conditioned to think like that from since we started school though (I guess that's my submission for this ask post)."
"I think I remember reading about some CIA agents AMA. Someone asked him the question, 'What's the point of area 51?' The answer was, 'To keep your attention away from area 50 and 52.'"
"Obviously not an exact quote, but the idea of it has always stuck with me."
Extinct animals not actually being extinct for preservation.
"I think it is entirely plausible that the Thylacine still exists in the depths of the Australian mainland and the government knows it."
"It wouldn't be that crazy for misguided scientists to have moved or released a few in the late 1800s. Once the animal went extinct, they certainly couldn't reveal the existence of the mainland population lest poachers and local farmers destroy it. They also may have realized how significant the liability was for releasing large predators into farmland."
"Folks have found hair and scat samples that may be from the animal, but the university lab results always come back and say they are nonsense. That's probably the truth, but I wouldn't be entirely surprised if the government was strong-arming them into reporting BS results. TBH if I was a conservation scientist it wouldn't take much convincing for me to fake a negative test."
Robert 'Curt' Borton Jr.
"I believe in a LOT of really boring conspiracies. Stuff like. 'This person was about to expose corporate/government corruption, and then died suspiciously.'"
"But if you want to go for a more intense one, Robert Borton, who I just learnt about, takes the cake. tl;dr guy disappears in Vietnam and really strange sh*T happens to his family."
"This guy, Robert 'Curt' Borton Jr. turns 19 in 1965, he goes to fight in Vietnam. He lands in 1966 and vanishes 19 days into his deployment alongside 3 other soldiers."
"In 1976, two guys approach his dad and claimed to work for the Department of Defense. They asked him to sign a letter that would change his sons status from 'Missing in action' to 'Killed in action' and he refused. Arguing the military would not confront people in public to sign documents. However, in the following weeks he was approached again by these two guys in public places and eventually signed it out of fear. He later received money for doing so."
"His sister then claims that every time they've seen Curt's official files, the entries keep changing, and his sister claims her phone was being wiretapped. A cousin believes that everyone was being watched, claiming that he was followed to work several times and that two men would follow him from his home to his company and then back. After this went on for a month, he decided to confront them, but they denied following him. After that, for about a month, he was not followed."
"The family is convinced Curt was part of a secret government operation that brought him from Vietnam into the United States. Diane believes that he has tried to contact her and other family members on multiple occasions. She claims that she has talked to a man who is a "secret returnee" and that they are allowed to come back to the United States, as long as they do not contact their families. She believes that this was done because the U.S. government had already claimed that all of the living POWs had been brought home; since they were still left behind, they could not become known to the public."
We may never fully know if any of these are true. Given the track record and history of most governments in the world, maybe some of these aren't so far fetched.
Only you can decide what you believe or not.
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I hate ghosts, even if it's Casper. My life is already stressful enough. I don't need to creeped out by spirits from the beyond. Shouldn't they be resting and basking in the glow of the great beyond instead of menacing the rest of us?
The paranormal seems to be consistently in unrest, which sounds like death isn't any more fun or tranquil than life. So much for something to look forward to.
Some ghosts just like to scare it up. It's not always like "Ghosthunters" the show.
Redditor u/Murky-Increase4705 wanted to hear about all the times we've faced some hauntings that left us shook, by asking:
Reddit, what are your creepy encounters with something that you are convinced was paranormal?
I can't definitively say I've come face to face with the spirits. But I have had some unsettling feelings in the dark. Shadows are just shadows sometimes, but who can be sure.
I hear it...Nbc Wings GIF by HULUGiphy
"I was helping my dad clean my grandma's house after she passed and I went in and was trying to find a song in my phone and before I could I heard a cough plain as day come from down the hallway where her room was. She died of lung and throat cancer it was pretty crazy."
"When I was 5 I remember getting home from my grandpa's birthday party. For context my mom was pregnant with my brother at the time, so my parents had already bought his crib. I woke up in the middle of the night to find a women in a white dress and long black hair standing over my brother's crib. I managed to wake up my dad so he could take me to the bathroom. When I got back it was still there. It was only until morning when it disappeared. Every now and then I see a glance of what I assume is that thing running past the backyard."
"My best friend and his wife had moved to a new apartment. I came over to visit a few times, and each time I'd see the motion of a cat in my peripheral vision. Not the image of a cat, but a sense of how a cat moves. Anyway, one day I finally cracked some joke about the ghost cat in the place and his wife was instantly saying "See! See! I told you we had a ghost cat!"
"I worked graveyard shift in a dementia ward for 4 years and it was anything but quiet. I was working with a nurse one night when we both heard a resident say "excuse me." We looked around and no-one was there. I checked on the resident in question and she was fast asleep in her own room. Many of us also experienced someone whistling in the ward late at night and one nurse even managed to catch a video of it happening. It was unnerving to say the least."
"I once saw someone short walk by me in my house. They walked into the laundry room which only has one way in. I walked into it behind them and they where gone. I thought it was my little brother but I went to his room and he was asleep. I still have no clue what that was."
Now was everyone here positive they were sober? Just asking. Those are certainly spooky moments. I'd like some video footage please. Continue...
Reflectionsghost library GIFGiphy
"I was up at 3am when I was maybe 7 or 8. I looked out the window and saw a woman in a white dress run across my yard. I could see through her. She was transparent like the reflections on the window."
"So, my work place is haunted. I was having a really crap day, and as a cleaner, it's normal that me and my co worker will be the only ones left at night. So I was standing on the second floor, leaning on the banister for the stair case, when I heard this male voice say in my ear "you alright?" Clear as day. I turned around so fast and nobody was there and it scared the hell out of me."
"I remember as a young kid I usually use to sit in my bed and watch tv with my room door open while the adjacent guest bedroom next to mine would always have the door shut. I always remember seeing that door fully open and close by itself multiple times a day very slowly and gently. Never really bothered me much now that I think about it… but there were other creepier experiences I had in the same house that made me feel uncomfortable like I was being watched."
"I went to the Betsy Ross House as a really little kid in the early 90s. Normal house but I was confused why the tour guide never talked about the woman on the chair crying at the edge of the bed in Betsy Ross's bedroom. So I asked about it. No one else saw the woman at the edge of the bed. I figured it was just a wax museum since there was a wax statue of a man in uniform rolling bullets in the basement."
"Years later, I was looking at haunted Philadelphia tours to go on with a friend and the Betsy Ross House was on it. I was like "woah! I was there!" and looked into it some more. Turns out there is a woman at the end of the bed crying and a uniformed man in the basement that people have reported seeing. There is no way that 8 year old me would have known about either of these things."
hello kitty...hello kitty lol GIF by Animation Domination High-DefGiphy
"I had this hello kitty Balloon In my bed room, it had a string and weight on it. So it was late, I had the lights on just Sitting on my bed. The Balloon turns, faces my door, slowly floats into my hallway and turns and floats into my sister's room. To this day I am scared of balloons."
They are among us and they like Hello Kitty. I'm probably rattling the paranormal cages and they'll come for me next, but I'm ready. I feel like this thread has prepared me.
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The past year brought about much anxiety and it's been a challenge to find the light in what has felt like perpetual darkness.
"What gives you genuine happiness?"
Food brings people together, and that combination brings much happiness for these Redditors.
"Plenty of my favorite food eaten together with fam."
"Harvesting fruits/veggies from plants which I grew myself and then gifting the harvest to others. I love to grow blueberries and hope I will have lots next year."
Compliments To The Chef
"Seeing people enjoy food that I cooked, especially seeing my fiancee smile while she eats my from-scratch chocolate chip cookies."
The Little Things
"It's difficult to tell the difference between genuine happiness and enough distraction. Food, like video games or playing the piano, makes me joyful while I'm eating it. I believe that the things that make me truly happy are the ones that happen infrequently, if at all, and are beyond of my control, such as being complimented or receiving physical contact."
Being alone with our thoughts can be comforting.
Wee Small Hours Of The Morning
"Being outside with no people around. Live in a city and I get up super early and just walk around before everyone else is out. Best part of my day."
In Between Consciousness
"I think it may be the only time I am ever genuinely happy when I am in that state of going to sleep where I think, but at the same time I am neither asleep nor awake. It feels like I am entirely detached from the physical world; free of fear, and pain."
"Don't try heroin."
"I've noticed that some things can make you so happy that they make you happy before (anticipation) and after (reminiscing) you've done them."
Being with loved ones, both humans and pets, can be the very definition of happiness.
"Weekend mornings sitting on the couch curled up with my husband and cat, both of us reading a book. It feels like quality time even though we aren't talking. Just a lot of peace."
"Your comment made me imagine a cat sitting on a couch, reading a book, wearing reading glasses and that made me really happy."
Hide And Seek
"Watching my cat get stuck somewhere stupid, then yelling for help. The best place so far was in a cabinet over the stove."
Our Inner Comedian
"When I manage to make my friends day by making them laugh. I honestly get so happy when they are happy."
What Brings Joy To Others
"I really love to hear about other people's hobbies/passions/interests. It never fails to make me smile."
"Equally, my hobbies/passions/interests make me happy."
I'm a kid at heart.
So it's not surprising that going to a Disney park as an adult brings out the inner kid in me.
Having grown up in Southern California, I get nostalgic about all my trips to Disneyland with my family and friends.
Eventually, I got a job there in entertainment, where I've made lifelong friends and grew as a performer.
My glee quadruples when I bring friends who've never been to a Disney park before and I see the excitement on their faces.
And what brings me pure joy is hearing from these first-time visitors that, after a long day of running around for 12+ hours, they tell me they had the "best day ever."
Walt, you did a good thing.
A lot of talk going on about women's bodies, isn't there?
Not necessarily with women front and center as part of the conversation, unfortunately.
One of the main talking points against these bans and laws being placed on women's bodies is the idea that it would never happen to a man. "If men could get pregnant, there'd be free abortions tomorrow," is a slogan thrown around quite a bit online. Is that true?
Let's ask them.
Men of Reddit, would you take a male contraceptive pill if it was readily available? Why/Why not?
Genuinely, you might find yourself surprised at how many men are willing and ready to do their part in controlling what goes on during contraception.
Click, Click...No Boom.
"Yes. Makes more sense to unload the gun than shoot at a bulletproof vest."
"Without a doubt. I hate the idea of a vasectomy...nervous about the procedure. But I'd 100% take a male contraceptive pill"
Both Parties Are Making A Choice
"Yes. I world prefer both genders have birth control and that both are actively using it to give the best possible chance of no accidental pregnancies."
What Have Women Been Going Through?
"Honestly I would because I hate the fact how it f-cks with my girlfriend's body. And I rather deal with it than her"
"Absolutely ruins my day when I think about what a hormonal disaster the implant has been for her. It doesn't even bother her that much, but why should she have to deal with any of it at all? Saving up for a vasectomy so it can all just be done with."
Some men are not for a male contraceptive.
Hear them out.
"Think I'd probably still rely on rubbers. Shooting a load without one and relying on it being blanks... I'd be too paranoid about it"
"Rubbers will still help against things OTHER than pregnancy too - so, wearing them is still a good idea"
Wait, What Day Of The Week Is It?
"Oh yes 100%. The only reason I'd be hesitant is i'm very likely to forget"
"Yeah my ex couldn't even remember to buy condoms so not sure I would trust him with a pill. I also wouldn't trust myself with it either, hence the condoms :D"
What's It Doing To Me?
"If it had the same side-effect as the female one and affected my mood or my libido? F-ck no."
"Not all methods have that effect on women. There are literally hundreds of contraception, it's finding the best one for your body."
"I imagine that if men were taking contraception there would be triple the research into making sure you guys were A-OK"
It's All In The Conversation
"Personally, I wouldn't take it. The pill messes with your hormones and that's why I don't expect a woman to take it and also, that's why I don't want to take it."
"If she does, because she wants to - ok. If she doesn't, because she doesn't want to - ok, too."
"If I happen to hook up with someone, I'll wear a condom, because pregnancy isn't the only thing to prevent."
"If I am in a relationship and my gf tells me that she doesn't want to take the pill (anymore), I don't have any right to argue with her and that's why I'll wear a condom."
"I don't care if it "doesn't feel so good" - for me, the best thing about sex is the shared intimacy."
However, really, it's the man in all of us that wouldn't mind shouldering some responsibility in the child-baring years of our lives. Cheers to that.
So Long As It's A Unity Effort
"Yes, I have this theory that every man's phone alarm would go off at the same time at the bar, and we would raise our bc pill in the air to cheers all taking it at the same time"
Why Make Them Do Something You're Not Willing To Do?
"Abso-f-cking-lutely YES a million times yes!!!"
"Straight away, it would be a d*ck move if I expected my girlfriend to take stuff if I'm not willing to"
...Is That Pun Or...?
"Yes! My wife has been carrying the burden of birth control for 11 years now. Lots of pain, discomfort and other effects over the years, its time men can share the load."
We won't know what the future brings. Science at this point makes it feel like anything is possible, so in the next century? Who can say?
Be ready, men. It's our turn, next.
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