When you were a kid, did you ever play the game of “If I had a million dollars, here’s how I would spend it”? Casual conversations would ensue with your friends about mansion with spiral staircases, gorgeous homes on the beach in Hawaii, private jets that would fly in and out of your backyard and the ranches you planned to own and fill with exotic animals. Little did we know at the time that it takes a lot more than a million dollars to own those things, and that it’s much harder to accumulate funds than to lose them.
In the spirit of having a realistic view of money, Reddit users have recently been confessing the worst financial mistakes they’ve ever made, and we thought it might be useful to pass along their knowledge, if it’ll help any of you pandas avoid making the same mistakes. From plunging themselves into debt with student loans to trusting that their spouses would be wise with money, we’ve gathered some of the most painful mistakes down below. Keep reading to also find interviews with Reddit user The_guy321, who sparked this conversation in the first place, and financial advisor Michael Kitces to hear his thoughts on the topic.
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Be sure to upvote any responses that hit home or that you’ll keep in mind for the future, and then feel free to share any financial faux pas that you’re guilty of in the comments below. Then, if you’re interested in checking out a Bored Panda article featuring tips that can help you save a little extra money, look no further than right here!
43 years of buying and smoking cigarettes
Image credits: GrandpaKel
To hear what sparked this conversation in the first place, we reached out to Reddit user The_guy321. He told Bored Panda, “I recently have been focusing more on my financial health. I am nearly 38, and the weight of long term financial planning is setting in.”
“I asked the question for two reasons. First, so I could learn from the collective mind that is Reddit on what to avoid. Second, entertainment value. Some of the answers had me laughing pretty good (hopefully with the commenter).” He added that, thankfully, he’s never made any significant financial mistakes himself, but he does wish he had invested more earlier on.
Becoming a doctor. At the end of the day, it’s just a job. It wasn’t worth flushing my 20’s down the drain and accumulating a mountain of debt for this. I’m (finally) in a good spot in life now, but I don’t think the sacrifices I made to get here were worth it. Even from a less self-centered point of view, I don’t really do that much good for others with this job. Modern medicine is so much better at dragging out death than it is at improving life, and I’m tired of being a part of it.
Image credits: LtDrowsy7788
We were also curious if The_guy321 learned anything from the responses to his post. “According to the comments, don’t get married!” he shared. “I am too late to avoid that, but I have no complaints in making that decision.”
He also shared a few tips for anyone who’s recently made a financial faux pas or doesn’t have the best track record managing their money. “Check out r/personalfinance on Reddit. Tons of great information and helpful people.” Some of his top tips were, “Live within your means, avoid credit card debt, build up a 3-6 month emergency fund, then invest in index funds as early and as much as you can until you are nearing retirement age.”
And if you make a mistake, don’t beat yourself up about it. “Mistakes happen,” The_guy321 told Bored Panda. “Learn from them, and move on. Dwelling on the negativity does no good.”
Agreed to take over my ex gfs bills so that she could pay off her debts. 5 years and over $100,000 of my money later she was in more debt than when we started and cheating on me. Don’t ever do this, just make her be an adult or dump her a*s. It’s never worth it
Image credits: Stoneluthiery
Bought a mobile home as a starter home. No one ever explained to me as a young adult the importance of investment and future planning. Mobile homes of course do not hold nor increase in value so you never build equity. It’s akin to renting except you have to cover all your own repair costs too.
Terrible financial decision. Don’t buy mobile homes kids. Just don’t do it
Image credits: eatafetus632
We also reached out to financial advisor Michael Kitces to gain more insight on this topic from an expert. Michael was kind enough to open up about some of the financial mistakes he made in the past that he’s not particularly proud of. “I think the highlight is probably in my college years, back in the 1990s,” he told Bored Panda. “I had been an avid player of Magic: The Gathering (in its early days!), and had a lot of the really rare unique cards from the early years.”
“In 1999, I sold my Magic collection for $2,000 (back then, that was a lot of money!), so that I could put it into an online brokerage account to become a day-trader (the tech stock boom of the 1990s had a day-trading phenomenon similar to the Robinhood era of today!). Within 12 months, I had lost all $2,000,” Michael confessed. “Nearly 25 years later, Magic The Gathering remains incredibly popular, and I was able to recently estimate that the cards would be worth well over $50,000 if I had just kept them instead of trying to day-trade stocks.”
Didn’t contribute to my 401k for like 15 years. what a doof.
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I just this year started a retirement account. Nobody taught me about this s**t. I’m 12 years into working. I could have had 12 years of gains, but instead got like 10 bucks interest in my savings account.
Why is money management not mandatory for high school graduation? I was taught nothing. I still know very little and trying to teach myself is like pulling teeth.
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As f**ked as it is, the financial expense is what got me to quit nicotine. I realized that I was spending $150 a month on disposable vapes and started comparing it to my other bills.
I was paying more for my unhealthy addiction than my car insurance, or my utilities. Kinda hard to justify when you look at it like that.
If you’ve made some mistakes with your money, don’t be too hard on yourself. Michael believes that this is an experience we all go through; sometimes, we just need to learn lessons the hard way. “This money stuff isn’t easy, it isn’t logical for a lot of us, and it has a lot of emotional ties,” he told Bored Panda. “I don’t know how anyone will be able to fully learn how to overcome their impulses without some pain and hard lessons along the way.”
“The faster/earlier we learn these lessons (the hard way), the more time we have to live a life with those lessons going forward! But the idea of ‘you can have more wealth if only you didn’t make all those mistakes’ may be literally true, but in practice, is an unrealistic idealistic dream. You can’t learn to build wealth without the learning that comes from mistakes along the way!”
Hate to admit it, but I got nailed by a crypto scam. So dumb.
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Kept my money in a bank ($ 150,000) because they were offering high interest rates in a country with questionable economic condition where i lived at the time. The entire system crashed and i can’t access my money since 2019 while the bank keeps charging me monthly fees, slowly draining my savings. Welcome to Lebanon.
Image credits: elieayoub
Michael also told Bored Panda that the two biggest mistakes he sees most often are, “Those who spend too much time worrying about what they’re spending without focusing enough on what they’re earning (it’s a lot easier to build wealth by learning to get a raise than trying to cut your expenses to the bone!), and making spending decisions based on the perceptions of others (the most self-destructive spending decisions I see are those who try to buy what other people buy [even if they can’t afford it themselves], or buying what you believe will make you look good in front of others [the ‘keeping up with the Joneses’ phenomenon]) instead of just trying to spend money on the things that bring you enjoyment. Marie-Kondo your spending!”
5 years ago I bought plane tickets for my ex to come and see me, he cancelled on me 3 days before saying his grandma was on her deathbed (she is currently still alive) I was 16 and I wasted 3 years worth of savings
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Sold my signed Banksy prints for a couple of grand to fund a new kitchen. Saw the same prints a couple of years later selling for £80,000.
Blurgh. Just swallowed another mouthful of sick thinking about it (and they did a s**t job of the new kitchen floor).
Image credits: RobotGoatBoy
And even after making some financial faux pas, Michael is confident that there’s always time to bounce back. “Perhaps the greatest example to me is Warren Buffett,” he told Bored Panda. “Warren’s net worth today is over $100 billion, making him one of the richest people in the world. But he was 60 years old before he ever became a billionaire in the first place; which means it took him 60 years to get the first $1B, and the past 30 years to get the other $99 billion.”
“When you recognize that even one of the richest people in the world started his first business delivering newspapers at age 14, but accumulated 99% of his wealth only after he turned 60, it gives an appreciation of just how long it takes to build wealth (and how much we can make up for in the later years)!”
If you’d like to gain more financial wisdom from Michael, be sure to check out his website right here!
I discover bitcoin very early: I bought 100 of them at 63 cents a piece.
Sold the whole bunch for 300 dollars.
Image credits: Abject-Student-2446
When I turned 21, I gained full control over my inheritance account. It was how it was written in my grandparents will. At that time, it was only worth $15k.
It was the only time my financial advisor ever met with me. I said I wanted to invest all of it in AAPL.
I still remember the face he made in disgust. “Why would you want to invest in Apple?” I explained that I had just done a college paper on Steve Jobs and I truly believed that now that he was back in charge of the company, he’d turn the stock around. (valued around $1/share at the time, it has split many times since)
He convinced me to stay the course and keep the same investments my parents already had my brokerage invested in. At its peak, it grew to about $70k in value. (I still have the investment today). If I had invested in AAPL at that time like I wanted to, I’d have a cool 10M, and I could retire today.
Trust your gut people.
Image credits: taxable_efficiency
I sincerely hope all of you pandas are in a secure place financially, but if you’re looking to save a little bit more or start spending more wisely in this new year, I’m sure you can gain some knowledge from the responses on this list. Keep upvoting the answers that might spare you or someone else from making the same mistakes, and let us know in the comments any other financial lessons you’ve had to learn the hard way. Then, if you’re interested in checking out another Bored Panda article that might help you save some extra cash, you can find that right here!
Getting married to the wrong partner.
People like to think about marriage as an emotional and physical commitment and tend to forget that it’s a financial commitment as well.
If you get entangled with someone who has no clue how financial management works, you’re in for a rollercoaster ride straight to hell.
Image credits: Fit_Obligation1594
Timeshare. I went to the seminar for a three nights stay at a beach resort. They got me. Phenomenal salesman, but they lie out of their asses. Spent thousands over a few years, only used the timeshare once, paid a lawyer to get us out of the contract (basically a mortgage). Now we’re free!
Image credits: anon
Spending money on in-app purchases for mobile games. Bonuses, upgrades, special features…all so I can loose interest in the game a year later. It’s flushing money down the toilet.
At the height of the pandemic, I had a pretty severe “hidden” mental breakdown due to the trauma of isolation/quarentine and general terror over the whole thing. Combined with my own long-standing battle with Bipolar Disorder, I wound up withdrawing €4,000 from my savings account and going on a massively impulsive shopping spree.
Initially I told myself that the money was for a PC/laptop upgrade but as my mental health tanked the further the quarentine went on, I just kept spending in a desperate bid to feel something other than the crushing terror and uncertainty, chasing the fleeting dopamine hits that come from impulse purchases.
That was nearly 3 years ago and I’m still trying my damndest to build up my savings again. I hope I ever have another breakdown that bad as it was so embarassing when I eventually told my parents the full extent of the spree.
To add insult to injury, I also got an ill-advised Mohawk so I was both broke and (semi) bald.
Nowadays I’ve grown my hair out but I’m still struggling to recover my savings. Squirelling a away a few bob each week and hoping for the best. Thankfully, I’m on better medication now but yeah, things were bad for a while.
Image credits: GothTheLife88
Going to college right out of high school. College is great if you know why you’re there, but not for someone who isn’t yet sure.
I can’t speak for everyone but when I was fixing to graduate high school back in 2000-2001, everyone thought college was the next step because literally no one ever told us anything different. Parents, teachers, school guidance counselors, and the culture. EVERYTHING was about pushing kids into the college pipeline.”
I literally thought everyone working trades were living in poverty until I was in like my mid-twenties because no one ever brought it up unless it was to disparage the whole idea of working for a living.
Image credits: Common-Actuary-2982
Credit card debt. Finally paid everything off when we sold/bought our next house and made the promise to never carry any credit card debt. And we haven’t.
Image credits: daphodil3000
Sports betting losses have cost me about a year’s salary
Bought a condo in July of 2007. The timing literally could not have been worse. Could have bought it for virtually half the price if I waited a year. Sold it just last year for less than I bought it (after inflation).
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I paid for my ex-girlfriend’s college tuition for three semesters as she ‘just one semester left’-ed me for all three. That was AFTER she got a letter stating she was no longer eligible for the Pell Grant or further loans. So, the banks said, ‘No more,’ but I paid for another year and a half, while also paying all the household bills and supporting her kid.
We broke up, and she had the nerve to talk about what I supposedly OWE her.
I was not good at checking my company email inbox, nothing important came through there anyway (we mostly used Slack). And that is how I missed the deadline for my company’s IPO. They offered us stock at $10 and it opened at $40.
Now I read my emails.
Image credits: BehindTrenches
Nearing the end of the dotcom boom (it hadn’t busted yet) I had a about s**t ton of stock options to exercise. I was about to do it, when I heard that my Dad was entering the hospital for a cancer operation. I put the stock options exercise on hold for a week and went to be with my Dad (and Mom).
While my Dad was in the hospital, my company released an earnings warning and our stock price got annihilated. When I did eventually exercise my options, I was down about $1,000,000 from where I was before my Dad entered the hospital.
For the record, my Dad is OK. And if faced with the same situation I would make the same decision. It might have been a big *money* mistake, but it was not a mistake.
Image credits: khendron
Bought a stock way back in 2014, it jumped by like 60% in two days. I went to sell, but got a phone call and got distracted. Remembered it the next day, and it was only up 20% from when I got it. I thought to myself “lets just wait and see” hoping it would jump back up. It never did. I eventually sold it at a 60% loss a year later.
Was only a 2k investment, so not a huge loss, but would have netted me a quick 1k in two days if I had just ignored my mothers phone call.
Image credits: LaborumVult
Not mine, but my dad’s. He bought like $500 worth of collectable Star Trek dinner plates in the 80’s thinking they’d be worth a ton of money in a few years. They’re not.
Image credits: Theareyj
When I was younger I invested in beer and parties. Payoff was very bad.
I co-signed a loan for my girlfriend at the time. I was 20 and in love. She bought the car, then put it in her mothers name, filled for bankruptcy, and went to live with the guy she was cheating on me with.
F**k you Christine. Thank you for teaching me at such a young age how s****y people actually are.
I worked at a startup in the mid-2000s. I had great credit and bought a motorcycle for the owner under my name because his credit was horrible. We were making good money so it seemed to make sense. He was going to pay for the entire bike in a few payments over the course of the year, so I figured it was not a big deal. Soon he stopped paying me for the bike loan and then I found out that he had an opioid addition.
I let the bike get voluntarily repossessed, it ruined my credit for a bit and I was out a few hundred dollars. The last paycheck I got bounced. I would have loved to take him to court, but he overdosed and died not too long after.
TLDR; got a motorcycle for someone else in my name, he stopped paying for it and I had to deal with the repercussions.
Sold my MTG collection in 1998. Almost full power9, 40 revised duals, all the playable cards from beta, legends etc. Sold them for $1000 and bought booze and meth.
Would be able to pay for a house with those cards now.
Image credits: useLimhamn
I invested $890 into a stock and it later became a little over 1.5 million dollars. I did not take the money out because I thought it would go up. I quit my job because I thought I was going to be rich. My stock crashed to worthless, I’m struggling to get by. I could’ve had a house, started a business. Now I have nothing
Image credits: ImmuneToTheCure
thought i was just being a generous and kind person helping people out and never really expected them to pay me back. i was an IDIOT
I inherited money from my mother after she died. Instead of retiring my mortgage I used it to renovate my house to add two bedrooms and a bathroom. My thinking then was that it would be nice for each of my kids to have their own bedroom.
Image credits: Keithninety
i went to america for 10 days to visit a buddy of mine. cost me a fortune and i arrived to find he had been absorbed into his new girlfriend and was not the guy who left. Anytime he was away from her he was miserable and didnt want to do anything when he was with her all they wanted to do was have sex so they tried to get rid of me. massive waste of money and the loss of a friendship
Image credits: EdwardJStoddard
Took a job way up North in Canada. Quit my old job, got rid of tons of stuff, had my dad help sell my house, etc. This was in 2019/early 2020 just before COVID hit big. I ended up hating the job up North; it was terrible. Went back home, somehow managed to get my old job back, but my house is gone and I can’t afford a new one in the current market. Stupid, idiotic decision on my part, and it keeps me up at night. I hate where I am in life right now. Stupid big expensive mistake that I’ll regret for the rest of my life.
Image credits: SaulWellandGood
Not buying a house 10 years ago when s**t was still cheap. Now I’m buying a house but damn it’s the worst time.
Got divorced. Let my ex keep the vehicle he drove, even though the loan was in my name. He put it in storage for six months, didn’t pay the monthly payment during that time, and then called and told me where it was. When I went and got it, it had a window broken out. Luckily, my credit union was awesome. They sold it for me and worked the leftover balance into my current car loan with no reflection of it on my credit at all.
Opened a credit card in college, bought…something (I don’t even remember what), completely forgot about it.
Never got a statement, three years later I suddenly have collections agencies calling me nonstop over a $20 debt with hundreds in ‘collection fees’.
Took years to get my credit back to ‘not s**t’ levels.
lost the wedding ring, seriously i lost it
Image credits: PhD147
Image credits: Dollie-
Lending my credit card to family
Quitting my job and moving to Las Vegas from San Jose. Emptied my savings, didn’t have new work out there, and then right after I arrived, everything shut down because of the pandemic, which meant no real chance of finding work I could physically do. It was also my biggest mistake in several other ways (my health declined severely and visibly, my mental health plummeted, my social connections all dried up, and over a year after leaving Vegas I’m still grappling with the consequences.)
When I was in elementary school, I had a bunch of money saved up. I spent 30 dollars on those rigged mall games that’s basically impossible to win.
Big fat Indian wedding feeding nearly a 1000 judgmental semi-strangers I’ll never hear from again!
Saving 20% for a down payment on a house. I should have bought something I couldn’t afford and paid PMI because in the time it took me to save, the housing market took off.
My ex boyfriend did this weird tax scam thing and bullied me into giving him my account details. He basically just used to throw things and call me a b***h and say “you clearly don’t love me then” until I gave in. He had the money from the scam put into my account. After we broke up, my bank notified me that I was under investigation with their fraud department. I gave them his name and details and closed my account with them.
My first girlfriend was unable to live in the Midwest. She gave me the ultimatum “we move to South Florida. Or we break up”. So we did both. We had been together about 9 years when it ended.
Leaving that job cost me between $500k and $1.5 million over my working career. That’s counting lost wages, lost pension and lost retirement savings. Back then, if you had a 401k (and back then, only places that offered traditional pensions were allowed to offer 401k plans), they mailed you a check when you quit – she spent it and it took me 5 years to pay the taxes due (it was more than a decade before I could qualify for an IRA due to tax law quirks). Had I stayed, even with the meltdown of that company in the following decade, I would have retired over 10 years ago.
$21,000 car loan in 2016 that i was paying something in the realm of 20% interest on. Only paid that off this year finally…
$9000 Credit Card which i got in 2015 and only managed to pay off this year.
$3000 on Buy Now Pay Later which i also paid off this year.
Basically between 2015 and 2022 i made a lot of stupid money choices. Probably lost close to $50,000 in terms of repayments and interest combined. But now i’m debt free!
Next debt i will only accept will be a house loan.
I let her move in with me and then covered all of her living expenses so she could pay off debt. It only cost me a little more money since I was already covering 100% of my living expenses. Some of my bills like water went up a little and I voluntarily covered most groceries.
I told her upfront that there are no hard feelings if it doesn’t work out in the long run (and it didn’t). I would have done the same thing for any close friend. I suggested her first step should be to save an emergency fund to protect herself if we break up because I would expect her to get the f**k out. And if she cheats on me, her stuff will be on the curb the same day.
I’m a practical person. We had been discussing moving into together anyway. This way we see how things work out and she ends up with less debt. But I didn’t put any money directly towards her debt. That would have felt like I was being taken advantage of.
This wasn’t completely selfless on my part. It seemed like we may have been headed for marriage and in that case, I would want that debt gone. It didn’t happen for us but I’m still glad she got a little further ahead in life
I have paid so many procrastination fees for late bills, and missed opportunities that the mind boggles.
Spending all my student loan refund checks instead of saving those f*****s to, oh, I don’t know – PAY OFF MY STUDENT LOANS.
Image credits: JanisRBoyes
Bought a new car. It was basically totalled after just five years due to a motor damage. Drove less than 50k km. FU Mercedes.
Spending unhealthy amounts on league skins.
Financing a used car and then leasing a new one ?♀️ Never again! I bought my current car in like new conditions and paid in full with cash. I love never having to deal with car payments!
One of those bootcamp style gyms opened up walking distance from our apartment. We wanted to get in shape and figured we’d check it out. It was run by a married couple who was really nice. Initial classes were very small but the exercise was great. The husband also did martial arts instruction so I was considering getting into that.
They were doing a really reduced special to get a year membership so I went for it and paid half upfront. A few weeks later, I can’t remember the conversation but they asked for the remaining payment and I said sure, why not.
A little bit after that they called and said, sorry but we opened the gym with a verbal agreement we would be getting a large amount of karate students and that fell through, so we have to shut down. We will get your money back once we get settled after we move back home
I foolishly had paid for all this but never had even gotten a written contract or whatever. They just ended up ghosting me and stopped replying to everything.
I bought a vintage guitar from England (I’m in Canada) and had to get it shipped over the pond. Being a somewhat delicate item, I went for some pretty expensive shipping (think it was 200£), which was a lot, but not much compared to the 3100£ I paid for the guitar.
I wrote my address wrong, and the item was shipped to Canada, had an invalid address, held at the depot for a couple weeks, then shipped back to the guy in England.
I had to cover a fee and once again get it shipped over the pond.
My ex-wife was an expert at spending us into a black hole. She was a widow. We got engaged. The very next day, I told her to bring me all her debts, and then I wrote checks to pay them all off. $14,000.
That became the pattern. She never saw a dollar she couldn’t spend before we earned it. She looked at things by what they cost each month and not by what they actually cost.
Fifa ultimate team packs. Like a sacrilegious amount of money FLUSHED.
Using an unlicensed contractor. Buying properties with a business partner with no written agreement. I could write a list….
Not investing asap.
Could be my grandmother though: had a chance to invest in Yahoo in the 80s and turned out down
I spent $300 on an ultra wide monitor before they were popular and before they were good quality. Apparently mine has a terrible refresh rate and it came with a dead pixel slightly off center. If I want to play any older game I’ve got to either run it in windowed mode or mod it to display correctly. If I had known what a hassle it would be I would have stuck with two normal monitors.
On the plus side, if it’s cold I can just run a visually intensive game and my PC doubles as a space heater.
Invested in a hemp stock ~two years ago, down $9000. Average down every now and then in hopes I can get out eventually.
My ex owed me over $5k when we broke up which was all tied up in joint purchases such as furniture since we had just moved in together. She didn’t have the dough to just cash me out immediately so we agreed that she would pay me monthly until it was all repaid. I think not even a month went by and I said “f*****g keep it” because I didn’t want to hear from her ever again. It was a horrible financial call, but it also took a lot off my mind.
Remaining in a religion.
ages ago I lost my job and waited wayyyy too long to sell my luxury car I could no longer afford. Job hunt took much longer than expected and then I sold the car for far less. It was really dumb
all totally good now but good learning lesson
I entered into a group lawsuit against my homebuilder. Even with the homebuilder having lost a previous lawsuit having to do with the issue we were suing them for, and even with lots of visual evidence, they could afford better lawyers. We lost. I had to get a HELOC to pay for my legal fees, and then to pay for the damage to my house that was the whole point of the lawsuit in the first place. I live in the US, and I don’t understand the lawsuit-happy culture here. It is NOT easy to sue, win, and get money.
Put my husband through school and help the business grow thinking that he was going to appreciate it. Raise and provided for our family…yup! Mistake!
Destiny 2. Probably about £500 dropped on a game I dont even particularly enjoy. Yes I do regret it and friends still play it and I have to put up with hearing about it.
I’ve lend someone 3000$ and still haven’t got everything back.
I was at $1800 per month for alimony and child support for six years, but it was more losing half of the assets (including retirement savings) that was the killer.”
Oh well. It’s in the past now and I’m in a much better place and happy rather than resigned to being miserable like I was for quite a few years until I decided to go through with it. I’m just going to have a late retirement (most likely) instead of early like I had hoped.
Got asked to invest £10k in a friend of a friends promotions start up for a dragons den style 1/4 of the company. Didn’t think the guy behind it would last the course. The company made millions and is still going today with events all over the UK Ibiza and Europe. Very successful. Meanwhile the kitchen that 10k bought will need redoing soon. Some you win some you lose. Good luck to the guy though. He proved a lot of doubters wrong and he showed dedication and maturity to start it and build it to where it is today, Even post covid things still look good.
Bought a Passat (Volkswagen) -06~
I was repairing it more than I was driving it. Holy f**k that was the most useless piece of s**t that has ever been constructed. German engineering my a*s.
Image credits: FullbordadOG
My mom gave her original, 20+-year-old wedding ring to a jeweler to work it over and improve fitment (since it was too tight I think).
The jeweler f**king lost the ring in the mail. They sent it out without insurance and it never arrived at the place that was supposed to do the jeweler’s work.
She did not get her original wedding ring back, and all they offered her was ‘a new one of equal worth.’
Honestly, that was the biggest f**k you to her. The best you can get in that situation is at least a ring visually similar to the original one, or one made to be identical to the original.
“Don’t tell me ‘copying an existing ring’ is not possible, because the ring itself was very simple. Basically only metal, no diamonds or any other fancy rock, just metal with a groove in it and smooth edges.
But no, their only offer to ‘make up for it’ was to choose a cheap looking one from their stock, basically saying ‘we f**ked up but we won’t put in any work to replace your ring; this is what we already have.’
Let alone the fact that the ring was 20+ years old and had a lot of sentimental value, because unlike my dad, my mom wore that ring all the time.
Any sort of collection/hobby. For me it’s guitars.
I don’t own any guitars that are particularly expensive, at least as far as guitars go. I think my most valuable guitar is worth around $850-$1000 but I got a stupid good deal from a music shop that didn’t really know what it was worth and they were charging $280. The most expensive guitar I got new was also about $850, which was very recently, and while that’s decently mid-range for guitars, a “nice” guitar easily goes for $1300-$2000. Anything past that, you’re really just paying for the craftsmanship, or in some cases, a mid-range guitar with a big name (Gibson).
If you can afford the nicer high end ones, and have the money to spend, by all means. But, as a 25 year old who works a very okay paying job and still has to cover rent in a city that is very quickly becoming more expensive, I am not one of those people.
EDIT: I’m 25 not 35, whoops
Buy twitter blue
$5500 in FTX I’ll never see back. Venmo me.
Nothing so terrible, but still hurt my savings: buying a second hand Yamaha R6. I spent so much in reparations that if I had waited a bit longer I could had afford a brand new one and save me all the trouble. I crashed it and sold it for pennies.
I needed (more like wanted) to buy a new car, I have a good reliable steady income, but I didn’t have enough, so as bad as it is, I wanted a loan for it. Didn’t expect anything to go south, so I advanced it. I’ve never taken a loan so it’s not like I’ve had unpaid s**t or anything like that, yet despite my steady income they refused to give any money whatsoever. Not wanting to lose the deposit on the car, I had to ask from family. We’re good like that, but it’s still super uncomfortable. Of course I wanted to pay it back as soon as possible, so I basically sent all my leftover every month. It wasn’t necessary, like I said it wasn’t a problem from their end, but I wanted to repay it as quickly as possible. It was a really bad few months with no money at all, but I got over it.
And I certainly learned to control myself. Also to not trust banks ever.
Electrical Engineering for a Bachelors Degree.
Should’ve done Software Engineering instead.
Gave a rando like 100-150 for a MacBook and got scammed
I had a full partyhat set on Runescape in 2012. NOT 2004.. 2012, when prices were high but not crazy.
Nowadays I could put a very f****n good deposit on a house with the prices they are at now. I sold for GP because I “quit” and ended up playing again 8 years later lol
Three attempts at a Bachelor’s degree without having the right headspace, life management skills, or plan for the future to complete one. Over $30,000 of debt, multiple scholarships wasted, and a lot of shame/anger towards myself.
I’m in my late 20’s, finally have a 2-year degree from a community college, and my first job with engineering in the title with a bright future ahead. However, I would beat the absolute s**t out of who I was 8 years ago for being such a dumba*s who let other people’s expectations rule over my decisions. I had to find out the hard way ($$$$$) that I don’t function well living on campus.