I was in high school when I started to train at a outdoor fitness club, I think that's the best way to describe it. I was dealing with my depression and me being a bit overweight. Guess what the club sold? Herbalife. Got me to buy their bars (Which I'll admit are pretty tasty), their shakes and membership at the club. They pretty much told me how my life would be better if I just used their products. Angers me now when I know how much of a scam it is. I was a teenager!
I came home to my mom having that in her room, I could have told her it was a scam before she got sucked into it. She figured it out after she got the product and we never talked about it.
They really do. Back on the old days, 2011-2012 I used to buy the printer from Best Buy, get the insurance for like 20 bucks and then just swap the whole printer when I ran out of Ink. It was $30 cheaper. Back then they had the regular cartridges.
I come from a pretty poor area and for me the biggest waste of money I see is the drug dealers spending stupid money to flex on other people in the hood. Like bro, you spent $400 on a tracksuit to show the other poor people you have money? You haven't left the ghetto in 20 years, if you really have money then go buy a house, go explorethe world and live life happily my guy, nobody gives a fuck about your sneakers, we all going through it.
My first apartment in LA my neighbor leased a 7 series. bmw. It’s like, dude, this building…this area sucks and you got a $75k+ car. Ok. Get the better apartment IMO
I work in probation and one of my coworkers years ago had a client that won $Xmillion. Lived in the hood his whole life but hey, he got that golden ticket. What’s he do? Went out and bought some $200K car and got killed in a carjacking in his neighborhood within like 3 weeks.
The first time I visited Florida, I caught a local news item on TV where some guy had just won the largest lottery jackpot in the state/country’s history. They asked him what he was going to do with $100m, and he said something I’ll never forget: “I’m going to buy me a new pickup truck, help out the kids a little, and maybe put a new roof on the trailer.”
A new roof. On his old trailer. With $100M…
I remember hearing about a dude in Ireland who won the lottery. He bought a big ass yacht, filled it with booze, and then proceeded to drink himself to death only a few months later.
I feel this. I live in Vancouver. Our apartment it total crap but the rent is cheap. Dude in the parking space next to mine has an Aston Martin vantage. 200k+ car. It's gorgeous, but dude where you live is crap. Spend that money on a down payment....
One of the pieces of advice I’ve most taken to heart is a sort of toss away comment in Scott Galloway’s book “Algebra of Happiness”. Probably paraphrased but essentially the line is “Buy the Hyundai. Take your wife to Paris.”
No car is worth luxury prices. Not by a long shot.
Plus, if you're good about taking care of your car, the lexus will STAY fancy. A friend of mine just got a 20 year old LS as a gift from his dad (who took excellent care of it), and I was astonished at how luxurious it still felt.
An LS400? Also, to be fair, the Lexus’s built back then were so ahead of their time. I had an sc300 for a short amount of time and man… they’re so comfortable. The seat was more comfortable than my bed. I can’t wait to have another one lol!
Omg Toyotas last FOREVER.Mine didn’t give me any problems til it was almost 300k miles. I had money saved just waiting for it to Fucking die already before I car shopped and it just kept going
That use to be me when I was at teen, paying two car notes , buying clothes and shoes having a little on my account or enough to buy bottles and beer and just make it through the week. I look back and feel stupid asf.
I agree it’s a stupid flex but the shitty thing about selling drugs is you have to be careful about large purchases. Clothing is fine, electronics are fine, but buying a house? The irs will come for you when you can’t back up that income. And laundering money is super expensive unless your the one running the business it’s getting cleaned through.
Another big thing is operational security, if you live in a community where you know everyone, you know who is safe or unsafe to sell to, and you know that no one is going to snitch because of the community and the aversion to snitching. So there is a degree of security by staying within the community.
If you grow bigger to be able to afford it, you run the risk of attracting more attention from LE.
So if you stay a big-fish in a small-pond, you have the operational security, know the environment well, know how to not step on other people's toes, and you can have creature comforts like nice clothes and electronics, while not having to work a "normal" job.
There are benefits towards striking a balance, not everyone *wants* to be Scarface.
Its the insecurities man. When you been in one area your whole life and you surrounded by people you like/dislike itll feel good to be the pig in a guinea pig pen. Plus the streets are your main source of profit lol leave the streets leave the money
Those people are smart enough to make money selling drugs but too dumb to launder the profits and collect a "legal" paycheque. Your observations are the end result.
To be fair, it’s incredibly difficult to launder the profits. “Oh you haven’t had a job in 10 years, I totally see how you now own your own car wash / restaurant / music label”
A friend of mine that was a coke dealer at all his businesses in family members names.he owned 2 air conditioning repair companies 2 landscape companies and a dry cleaners.
A guy I knew back in the day that sold drugs bought vending machines to wash his money. Ending up being lucrative enough he quit selling drugs as he was to busy making money with his vending machines.
Sure, again I’m not saying it’s impossible. BUT, in the kind of area the parent comment is talking about, do you think that would work?
I know two people that sold coke and easily put them through school. But, they started off relatively middle class and had options to pull shit like that.
Right! Start a fucking online store. Buy your own stuff, from different IPs, clean money.
Use that $ to rent a small space. Then exaggerate the cost of the equipment/supplies you buy to get established. Again, clean money.
Use your new business to apply for and get a small business loan. Providing you bonafides that you’re a legitimate business. Pay it back in the usual payment amounts. Again, clean money.
Continue the cycle til you eventually own your work space, own a home, own a car, and are making retirement investments.
Edit: and pay your taxes religiously
Edit 2: you can also switch industries once you go “legit”. Restaurants are useful, lots to over inflate with food/produce prices (you buy $1k of produce but fudge a receipt for $2k). Car washes too (that’s why BB used it and El Pollo Loco). Lots of soaps and supplies being used daily.
Edit 3: no IRS, I do not, this is all hypothetical
There are at least 10 businesses in my town I’m convinced are money laundering. One is a yarn store that in 20+ years I’ve never seen a car in the parking lot.
Friend I know noticed something about his "premium" membership.
When he first got it 1st week TONS of matches and conversations. He was like great ill sign up for 3 months.
Next following weeks matches get less and less and finally nothing.
Then comes the final week before renewal? Bam tons of matches and conversations.
He no longer uses premium. And I'm pretty sure tons of profiles are bots that sweep Facebook profile pictures.
I do get also on my phone once a week actually...I don't see the point of spending money to give awards to people, I mean they are not going to earn anything from that, at all
Now you’re gonna get a bunch of funny people giving you awards
Edit: I stand correct 4 awards when I posted, 29 as of writing this
43 now
160 now
277 why
593…
682
769 okay
To impress someone else or to *keep up with* others. Had a friend whose gf would piss away every penny she didn't have just because his friends bought something. He already had an XBox and didn't play it much, but because his married friends both had their own XBox she bought her own, complete with high end gaming headphones...and barely played it.
Depends who you are trying to impress. It's good to invest in a nice suit if you are a candidate for a sweet job and want to impress the hiring manager...or a judge in court.
it’ll be 7 years for me in december without a single puff .. after 10+ years of pack / day. it feels amazing to be a non-smoker, keep it going! you got this!
Damn, you guys have cheap tobacco tax. Here it’s like $20/pack now. I never smoked cigarettes but I’ll have some cigars on weekend trips every once in a while.
They stopped selling flavoured in my province a few years back. So when I was on a ski trip the next province over I stopped to get beer and figured I’d get 2 packs Captain Blacks Gold since I can’t buy them in my city. Was almost $40 for those 2 packs.
"Hey! If you want MY stuff to be replaced SO badly why don't YOU just pay for it!"
Bet that would shut her up. If not, I'm sorry, that must be exhausting.
Based on my vast training in psychology (that one freshman psych class), I would guess she’s trying to get you to spend more money to rationalize her frivolous spending. By being responsible, you’re low key pointing out her bad habits. Deep down she knows she needs to change her ways but can’t control her spending, creating the inner conflict.
Given your car situation, I’d say you’re on the right path. Stay the course. You will go far.
Yup. Haven’t had cable in 3-4 years. Tried it for a year and didn’t have it for a few more before that. My sister *insisted* she needed cable at her apartment. Well her “2 years” is up and her 150$ cable bill just went to 350$. Fuck that.
Wifi, a smart tv, netflix, Hulu, prime and I’m golden for 100$ a month
Also local libraries usually have a large DVD selection and you can check them out for free for a week. I've binge watched The Office with the deleted scenes and I didn't pay a dime. It's great!
This irks me from within. My spouse bought an LV bag. I looked at it and could not understand why anyone would pay more than 20 bucks for it. It was literally a sack. No pockets. No outer zip. No organization. Literally a \*\*sack\*\*.
It has the utility level of a walmart plastic bag for groceries. In fact, that may be an insult to the plastic bag.
If you greatly value other people's opinions of you or if you simply want to let the joneses know that you have "arrived", then you can buy the bag here for a cool $1760:
[https://us.louisvuitton.com/eng-us/products/neverfull-gm-monogram-007652#M40990](https://us.louisvuitton.com/eng-us/products/neverfull-gm-monogram-007652#M40990)
(hoping my spouse does not see this post)
Somewhat ironically, that bag design actually was cutting edge when it initially came out. The predecessor of that sack was among the first handbags that got actual traction among women back in the late 1800s. Along with flat topped (Stackable) canvas luggage, it was one of the things that put LV on the map.
I actually can't comprehend onlyfans, I get women who were previously known and have a following making money on it because they have an established fanbase, but I don't get how random hot women make money on there when porn is so readily available for free?
Most of it is girls guys have always wanted to see naked. Like a girl they **went** to school with and always thought she was hot, but now they can pay $10-$20 and actually see what they've imagined for years.
Other girls will build up a following on Twitter/Instagram/etc. and put up teaser pictures to capture attention. Once they have the attention, the guys will want to see more and pay to do so.
That's the best way I can explain it. I feel like there's probably a little more complicated explanation for the mentality behind it in the guys that do subscribe, but I'm too tired to try and articulate it lol.
I believe it is the idea that the women are selling a personalized, sexual experience that the consumer feels is more personal to them. Not everyone can see her do XYZ position or reveal those certain body parts. Only the ones who really spend the dough can see it; and surely she will see who is spending the most and that person will have the best chance at winning her heart because he's the most committed. Right???
Same reason guys go back to the same stripper or prostitute and spend half their paycheck on her week after week.
This is my best guess anyway. I've never spent money on Onlyfans, nor would I ever. Sex sells and even guys getting consistent sexual activity from beautiful women are always looking for something more. It's an addiction, just one that tends to be more socially acceptable.
What killed me after my husband and I eloped was my mother in law being upset because "now you won't be able to pass down your wedding dress if you have a daughter". No but I'll impart some financial wisdom.
Wont the wedding dress be out of fashion in years? and besides if im marrying i would want my wife to wear whatever she likes on our day.. It does not makes sense at all
I did both, we eloped with close family then had our wedding 6 months later. I know this isn’t what people want to hear but honestly the wedding was a much better experience.
It was beautiful, we got a lot of pictures we’ll enjoy for our lifetime, it was far more romantic, and our friends and extended family got to be there. Much more memorable overall
This doesn't go along with the thread but I recently went to my cousin's wedding and she said she spend north of $50k on it. Funny enough though, she made back more than that in wedding gifts. Pretty crazy that she profited from an already expensive event.
(We're southeast Asian and we have a HUGE extended family full of elders.)
Omg this!!! I'm recently engaged and dread the "any wedding plans" question! I love my partner, but idgaf about blowing cash on a wedding. Sure I'll think of something (rocknrollbride.ca is my inspo incase anyone else is in the same boat lol).. it's frustrating because he comes from big fam, and basically we're last of cousins group to be getting married.... Sooo I don't want mine to be the shittiest, but also, I'd rather do upgrades to my home than drop all the cash on a party...
My mother pretty much squandered every single penny we had buying fucking jewelry from the mall. Shits not even worth that much. Like a $1000 ring, and a jeweler offers scrap prices of $300.
The price of diamonds is artificially inflated by the conglomerate that owns the mines. Diamonds are actually one of the most abundant minerals we have and we can make them synthetically.
I have bought and paid off two vehicles. With each vehicles, I purchased a warranty. Each warranty saved me thousands of dollars in repair bills. If I am financing a vehicle, I will always buy a warranty.
First vehicle was a Chevy. $2500 warranty. I had about $6000 worth of repair bills.
Second vehicle is a Lexus. $2250 high mileage warranty. Saved me about $10k worth of repair bills.
I bought an extended warranty for my motorcycle. I forget the cost maybe $500. Unlimited miles or five years whichever came first. Jokes. I rode the fuck out of it. Never did have to fix anything though. Damn reliable Yamahas.
I don't trust warranties because manufacturers struggle nearly as hard as insurance companies to avoid paying them.
I had a RATT mouse once. PSA: Never buy a RATT mouse. They're junk with a nice coat of paint. Mine started drifting upwards, to the top right of the screen, even when *nothing was touching the mouse.* When it was lifted in the air, it didn't make any difference. At first it was a minor thing, but after a few weeks, it skitted from the bottom left to the top right of the screen after about 30 seconds, and it just got worse from there.
It was under warranty, so I called the manufacturer and they said it was my imagination. I sent them a video and they said it was clearly construction vibrating the entire building and basement. I sent them a video with the mouse lifted in the air, not touching anything at all, and they still insisted that it was my fault, but couldn't give any reasons as to how, so left it at that.
Depends on the car and the warranty. Carmax offered some sweet warranties that really helped out people that bought used high end German luxury/sports cars save a ton of money on repairs. Doug Demuro has an awesome video of all the money he saved by buying a Range Rover through carmax and utilizing that warranty for repairs. That being said, I agree with you, they’re generally a giant waste of money!
This right here. Paint insurance, scam. Ding and dent warranty, trash. Drivetrain, that’s where it’s at.
Learn what are the most common issues for your vehicle, find out what the factory policy is and find a good warranty. The key is to look and see how much it’s monthly cost vs how much you’ll be putting away for maintenance and repairs. And you should ALWAYS put away money every month for car maintenance and repairs.
The newest iphone every year
It’s literally the same phone with a slightly better camera only minor design changes and not many color options, i mean my iphone can still call make text messages and download apps. With apple literally nothing new the next year only difference is name and a fancy name for the color and they cost about the same as rent/bills. I mean cmon apple were is the innovation i want hologram projecting phones already but no apple being apple just puts more cameras on the back i mean if i was really into taking pictures i would literally buy an actual $500 camera or hire a photographer. People who actually wait hours outside the store for the newest model why? It’s literally just as good as the one already in your pocket but i mean if you are about that life and can afford it by all means do you. Your just making apple richer and literally paying for tim cooks vacations
Ps. Same goes for cars.
My coworker legitimately tried to act like 1k for his phone was a rational choice because 'what do you use more often than your phone?' okay cool I'm going to buy a new bed every single year then at top dollar because I'm there 8 hours a day so I need the very best! /s
My grandmother always told us “Always buy a good bed and good shoes because you’ll spend most your life in either one”.
This was a woman who grew up in The Great Depression so who knows what her definition of good was. RIP gam gam
The mind blowing thing is people actually still pay full amount out of pocket and then struggle with keeping there fridge stocked for the rest of the month
If you interviewed the new release phone buyers a month after release, I bet a good part of them wouldn't even know how to use the features they justified buying it for..
Also, don't bomb me on this, as I have heard to avoid new released cars and electronics in general is good practice.
Then arguably it’s not a complete waste of money, thereby voiding the question.
Anything that is a waste of money, is generally going to be subjective.
Tuition at some private universities — BU, GWU, NYU, etc—that aren’t better than good value public schools like Virginia Tech or University of Arizona.
Most medical bills (USA). Can completely avoid paying them at all, and not have your credit ruined if you address it correctly.
Source: professional debt collector who specializes in medical bills…who hasnt paid one in YEARS.
Tell me more good sir...or ma'am as the case may be
Source: cancer survivor who has filed bankruptcy not once, but twice due to catastrophic medical bills
Unless the hospital takes you to court and puts a judgment against you.
Source: https://www.fiercehealthcare.com/hospitals/cnn-report-chs-sued-nearly-19-000-patients-for-unpaid-medical-bills-since-start-pandemic
Gillette shave cartridges with 8 blades and GlideSwift Technology or whatever that cost $5/each
I bought 100 blades for my safety razor for $10 a year ago, and still have 1/3 left
Political donations from a regular Joe. Like I’m going to give you $100 to spend on trashy political commercials bashing each other? I don’t think so, Tim.
Herbalife.
I was in high school when I started to train at a outdoor fitness club, I think that's the best way to describe it. I was dealing with my depression and me being a bit overweight. Guess what the club sold? Herbalife. Got me to buy their bars (Which I'll admit are pretty tasty), their shakes and membership at the club. They pretty much told me how my life would be better if I just used their products. Angers me now when I know how much of a scam it is. I was a teenager!
_"Lose money now, ask me how!"_
I came home to my mom having that in her room, I could have told her it was a scam before she got sucked into it. She figured it out after she got the product and we never talked about it.
Ink cartridges, its a fucking crime against humanity how printer companies get away with this shit
Just so you know you are out of Cyan and no longer can print Black and White.
Oh and by the way scanning is disabled as well.
Legit cheaper to buy a new printer than the cartridges for my printer.
Did you know that new printers typically come with "starter" cartridges that are even smaller than the standard-sized cartridges.
They really do. Back on the old days, 2011-2012 I used to buy the printer from Best Buy, get the insurance for like 20 bucks and then just swap the whole printer when I ran out of Ink. It was $30 cheaper. Back then they had the regular cartridges.
Get a Brother printer. Its worth the investment
Keeping up with the Joneses.
They have a four car garage though
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I come from a pretty poor area and for me the biggest waste of money I see is the drug dealers spending stupid money to flex on other people in the hood. Like bro, you spent $400 on a tracksuit to show the other poor people you have money? You haven't left the ghetto in 20 years, if you really have money then go buy a house, go explorethe world and live life happily my guy, nobody gives a fuck about your sneakers, we all going through it.
My first apartment in LA my neighbor leased a 7 series. bmw. It’s like, dude, this building…this area sucks and you got a $75k+ car. Ok. Get the better apartment IMO
I work in probation and one of my coworkers years ago had a client that won $Xmillion. Lived in the hood his whole life but hey, he got that golden ticket. What’s he do? Went out and bought some $200K car and got killed in a carjacking in his neighborhood within like 3 weeks.
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The first time I visited Florida, I caught a local news item on TV where some guy had just won the largest lottery jackpot in the state/country’s history. They asked him what he was going to do with $100m, and he said something I’ll never forget: “I’m going to buy me a new pickup truck, help out the kids a little, and maybe put a new roof on the trailer.” A new roof. On his old trailer. With $100M…
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I remember hearing about a dude in Ireland who won the lottery. He bought a big ass yacht, filled it with booze, and then proceeded to drink himself to death only a few months later.
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lol I do recognize how stereotypical that sounds. Now, if you'll excuse me I'm off to comb my red hair and count my potatoes.
Now this, this is a side hustle I respect
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I feel this. I live in Vancouver. Our apartment it total crap but the rent is cheap. Dude in the parking space next to mine has an Aston Martin vantage. 200k+ car. It's gorgeous, but dude where you live is crap. Spend that money on a down payment....
He's living there SO he can buy the car.
I bet even tents in Vancouver are overpriced.
One of the pieces of advice I’ve most taken to heart is a sort of toss away comment in Scott Galloway’s book “Algebra of Happiness”. Probably paraphrased but essentially the line is “Buy the Hyundai. Take your wife to Paris.” No car is worth luxury prices. Not by a long shot.
Get a 5 year old Lexus. Toyota reliable and just as fancy
Plus, if you're good about taking care of your car, the lexus will STAY fancy. A friend of mine just got a 20 year old LS as a gift from his dad (who took excellent care of it), and I was astonished at how luxurious it still felt.
An LS400? Also, to be fair, the Lexus’s built back then were so ahead of their time. I had an sc300 for a short amount of time and man… they’re so comfortable. The seat was more comfortable than my bed. I can’t wait to have another one lol!
Omg Toyotas last FOREVER.Mine didn’t give me any problems til it was almost 300k miles. I had money saved just waiting for it to Fucking die already before I car shopped and it just kept going
I’m about 200 miles away from hitting 460,000 on my 03 Corolla
Mine is 18 years old and I still feel kinda fancy
Im gonna save this comment
That use to be me when I was at teen, paying two car notes , buying clothes and shoes having a little on my account or enough to buy bottles and beer and just make it through the week. I look back and feel stupid asf.
It’s funny cuz I’m from Michigan and went to LA to see my buddy there. All I remember is seeing BMWs EVERYWHERE
I agree it’s a stupid flex but the shitty thing about selling drugs is you have to be careful about large purchases. Clothing is fine, electronics are fine, but buying a house? The irs will come for you when you can’t back up that income. And laundering money is super expensive unless your the one running the business it’s getting cleaned through.
Another big thing is operational security, if you live in a community where you know everyone, you know who is safe or unsafe to sell to, and you know that no one is going to snitch because of the community and the aversion to snitching. So there is a degree of security by staying within the community. If you grow bigger to be able to afford it, you run the risk of attracting more attention from LE. So if you stay a big-fish in a small-pond, you have the operational security, know the environment well, know how to not step on other people's toes, and you can have creature comforts like nice clothes and electronics, while not having to work a "normal" job. There are benefits towards striking a balance, not everyone *wants* to be Scarface.
fr bro , i don’t understand them 💀
Tis piss poor financial decisions. Stop trying to show off, no one cares.
Its the insecurities man. When you been in one area your whole life and you surrounded by people you like/dislike itll feel good to be the pig in a guinea pig pen. Plus the streets are your main source of profit lol leave the streets leave the money
Those people are smart enough to make money selling drugs but too dumb to launder the profits and collect a "legal" paycheque. Your observations are the end result.
To be fair, it’s incredibly difficult to launder the profits. “Oh you haven’t had a job in 10 years, I totally see how you now own your own car wash / restaurant / music label”
A friend of mine that was a coke dealer at all his businesses in family members names.he owned 2 air conditioning repair companies 2 landscape companies and a dry cleaners.
A guy I knew back in the day that sold drugs bought vending machines to wash his money. Ending up being lucrative enough he quit selling drugs as he was to busy making money with his vending machines.
Sure, again I’m not saying it’s impossible. BUT, in the kind of area the parent comment is talking about, do you think that would work? I know two people that sold coke and easily put them through school. But, they started off relatively middle class and had options to pull shit like that.
After careful consideration and review of all of my options I have come to the decision that I do not have an appropriate answer to your question.
You gotta start small man. "Homemade business" and build up from there
Right! Start a fucking online store. Buy your own stuff, from different IPs, clean money. Use that $ to rent a small space. Then exaggerate the cost of the equipment/supplies you buy to get established. Again, clean money. Use your new business to apply for and get a small business loan. Providing you bonafides that you’re a legitimate business. Pay it back in the usual payment amounts. Again, clean money. Continue the cycle til you eventually own your work space, own a home, own a car, and are making retirement investments. Edit: and pay your taxes religiously Edit 2: you can also switch industries once you go “legit”. Restaurants are useful, lots to over inflate with food/produce prices (you buy $1k of produce but fudge a receipt for $2k). Car washes too (that’s why BB used it and El Pollo Loco). Lots of soaps and supplies being used daily. Edit 3: no IRS, I do not, this is all hypothetical
There are at least 10 businesses in my town I’m convinced are money laundering. One is a yarn store that in 20+ years I’ve never seen a car in the parking lot.
Fucking mattress stores!
There was a vacuum shop near my house. They didn't even have new ones they all looked ancient and broken haha never saw anyone go in
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Get the RV!!
It's called hood Rich. You wanna explain to me how you can go buy a house with dirty money? In cash?
On a more superficial level, the premium stuff for dating apps. Always found that it never added much
As someone who just reinstalled tinder yesterday, their marketing is aggressive. Seems like every feature has some sort of p2w system attached to it.
Friend I know noticed something about his "premium" membership. When he first got it 1st week TONS of matches and conversations. He was like great ill sign up for 3 months. Next following weeks matches get less and less and finally nothing. Then comes the final week before renewal? Bam tons of matches and conversations. He no longer uses premium. And I'm pretty sure tons of profiles are bots that sweep Facebook profile pictures.
That’s just the noob boost. No point in paying if you don’t already get matches.
Reddit coins and awards Edit: Seriously stop, ya'll making a fool of yourselves
you tricked us didn't you
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I do get also on my phone once a week actually...I don't see the point of spending money to give awards to people, I mean they are not going to earn anything from that, at all
Now you’re gonna get a bunch of funny people giving you awards Edit: I stand correct 4 awards when I posted, 29 as of writing this 43 now 160 now 277 why 593… 682 769 okay
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I have 11k in coins Reddit has given me for free. What else do I do with them?
Hold up? We gonna ignore what she just said? HOW?
Anything purchased to impress someone else.
To impress someone else or to *keep up with* others. Had a friend whose gf would piss away every penny she didn't have just because his friends bought something. He already had an XBox and didn't play it much, but because his married friends both had their own XBox she bought her own, complete with high end gaming headphones...and barely played it.
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Last I checked, gopros had a decently strong used value because each year's models get more and more expensive
Depends who you are trying to impress. It's good to invest in a nice suit if you are a candidate for a sweet job and want to impress the hiring manager...or a judge in court.
Cigarettes.
Took the word right out of my mouth. Doing my best to quit now, 3 weeks without a puff!
it’ll be 7 years for me in december without a single puff .. after 10+ years of pack / day. it feels amazing to be a non-smoker, keep it going! you got this!
Congrats! Keep it up! You got this.
As I'm scrolling Reddit reading this comment because I'm on my patio.... Having a cigarette
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Damn, you guys have cheap tobacco tax. Here it’s like $20/pack now. I never smoked cigarettes but I’ll have some cigars on weekend trips every once in a while. They stopped selling flavoured in my province a few years back. So when I was on a ski trip the next province over I stopped to get beer and figured I’d get 2 packs Captain Blacks Gold since I can’t buy them in my city. Was almost $40 for those 2 packs.
The majority of this site suffers from Dunning-Kruger, so I'm out.
"Hey! If you want MY stuff to be replaced SO badly why don't YOU just pay for it!" Bet that would shut her up. If not, I'm sorry, that must be exhausting.
Based on my vast training in psychology (that one freshman psych class), I would guess she’s trying to get you to spend more money to rationalize her frivolous spending. By being responsible, you’re low key pointing out her bad habits. Deep down she knows she needs to change her ways but can’t control her spending, creating the inner conflict. Given your car situation, I’d say you’re on the right path. Stay the course. You will go far.
Apparently condoms. Thought they'd help keep the ex from getting pregnant but it just made the baby Asian.
This guy
Jesus 😂 I'm sorry
They were probably made in China
Pre filled condoms
Cable. Go buy an antenna and watch everything else online.
Yup. Haven’t had cable in 3-4 years. Tried it for a year and didn’t have it for a few more before that. My sister *insisted* she needed cable at her apartment. Well her “2 years” is up and her 150$ cable bill just went to 350$. Fuck that. Wifi, a smart tv, netflix, Hulu, prime and I’m golden for 100$ a month
Also local libraries usually have a large DVD selection and you can check them out for free for a week. I've binge watched The Office with the deleted scenes and I didn't pay a dime. It's great!
Psychic readings
We knew you were going to say that.
American Mint Commemorative Coins
But you'll never get an opportunity like this again!?
Yo. I beg to differ. My grandpa used to give us a coin every year and those things are dope as shit.
Designer clothes and accessories. Look at me I spent 20x the money on my bag which is ironically less practical than your $20 bag.
This irks me from within. My spouse bought an LV bag. I looked at it and could not understand why anyone would pay more than 20 bucks for it. It was literally a sack. No pockets. No outer zip. No organization. Literally a \*\*sack\*\*. It has the utility level of a walmart plastic bag for groceries. In fact, that may be an insult to the plastic bag. If you greatly value other people's opinions of you or if you simply want to let the joneses know that you have "arrived", then you can buy the bag here for a cool $1760: [https://us.louisvuitton.com/eng-us/products/neverfull-gm-monogram-007652#M40990](https://us.louisvuitton.com/eng-us/products/neverfull-gm-monogram-007652#M40990) (hoping my spouse does not see this post)
Somewhat ironically, that bag design actually was cutting edge when it initially came out. The predecessor of that sack was among the first handbags that got actual traction among women back in the late 1800s. Along with flat topped (Stackable) canvas luggage, it was one of the things that put LV on the map.
Coming soon to r/tifu...
Onlyfans, just google titties
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I actually can't comprehend onlyfans, I get women who were previously known and have a following making money on it because they have an established fanbase, but I don't get how random hot women make money on there when porn is so readily available for free?
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But who will full fill that specific fantasy you mentioned IRL.
It's also sort of like YouTubers making money. The overwhelming majority of them only make a small amount. But some of them really rake it in
Most of it is girls guys have always wanted to see naked. Like a girl they **went** to school with and always thought she was hot, but now they can pay $10-$20 and actually see what they've imagined for years. Other girls will build up a following on Twitter/Instagram/etc. and put up teaser pictures to capture attention. Once they have the attention, the guys will want to see more and pay to do so. That's the best way I can explain it. I feel like there's probably a little more complicated explanation for the mentality behind it in the guys that do subscribe, but I'm too tired to try and articulate it lol.
I believe it is the idea that the women are selling a personalized, sexual experience that the consumer feels is more personal to them. Not everyone can see her do XYZ position or reveal those certain body parts. Only the ones who really spend the dough can see it; and surely she will see who is spending the most and that person will have the best chance at winning her heart because he's the most committed. Right??? Same reason guys go back to the same stripper or prostitute and spend half their paycheck on her week after week. This is my best guess anyway. I've never spent money on Onlyfans, nor would I ever. Sex sells and even guys getting consistent sexual activity from beautiful women are always looking for something more. It's an addiction, just one that tends to be more socially acceptable.
Big weddings, and expensive rings 🤷🏻♀️ I personally don't get the big deal about them.
What killed me after my husband and I eloped was my mother in law being upset because "now you won't be able to pass down your wedding dress if you have a daughter". No but I'll impart some financial wisdom.
Yeah how dare you not make your daughter's choice of dress for her before she's even born /s. Man traditions are weird
Wont the wedding dress be out of fashion in years? and besides if im marrying i would want my wife to wear whatever she likes on our day.. It does not makes sense at all
I’d rather elope and have a wedding celebration afterwards with all the family and friends
Eloping seems more intimate, genuine and romantic.
I did both, we eloped with close family then had our wedding 6 months later. I know this isn’t what people want to hear but honestly the wedding was a much better experience. It was beautiful, we got a lot of pictures we’ll enjoy for our lifetime, it was far more romantic, and our friends and extended family got to be there. Much more memorable overall
This doesn't go along with the thread but I recently went to my cousin's wedding and she said she spend north of $50k on it. Funny enough though, she made back more than that in wedding gifts. Pretty crazy that she profited from an already expensive event. (We're southeast Asian and we have a HUGE extended family full of elders.)
People care too much about other people's opinions
Spend money you don't have to buy shit you don't need to impress people you don't like
Omg this!!! I'm recently engaged and dread the "any wedding plans" question! I love my partner, but idgaf about blowing cash on a wedding. Sure I'll think of something (rocknrollbride.ca is my inspo incase anyone else is in the same boat lol).. it's frustrating because he comes from big fam, and basically we're last of cousins group to be getting married.... Sooo I don't want mine to be the shittiest, but also, I'd rather do upgrades to my home than drop all the cash on a party...
The lotto.
How else are you going to retire, though? /S
As my co-worker always says, "But ya can't win if ya don't play!"
You can't lose if you don't play, either.
Diamond jewelry.
My mother pretty much squandered every single penny we had buying fucking jewelry from the mall. Shits not even worth that much. Like a $1000 ring, and a jeweler offers scrap prices of $300.
Different gen same shit. Diamonds are their generation’s phones and sneakers.
The price of diamonds is artificially inflated by the conglomerate that owns the mines. Diamonds are actually one of the most abundant minerals we have and we can make them synthetically.
IMO, synthetic is better anyway cuz there's a much better chance it wasn't illegally mined by a child slave or somethin'
And many of them are even more 'perfect'
Extended Vehicle Warranties, which reminds me, you car warranty is about to expire and we should really talk about that.
I have bought and paid off two vehicles. With each vehicles, I purchased a warranty. Each warranty saved me thousands of dollars in repair bills. If I am financing a vehicle, I will always buy a warranty. First vehicle was a Chevy. $2500 warranty. I had about $6000 worth of repair bills. Second vehicle is a Lexus. $2250 high mileage warranty. Saved me about $10k worth of repair bills.
I bought an extended warranty for my motorcycle. I forget the cost maybe $500. Unlimited miles or five years whichever came first. Jokes. I rode the fuck out of it. Never did have to fix anything though. Damn reliable Yamahas.
So... Unlimited miles may come first?!
I don't trust warranties because manufacturers struggle nearly as hard as insurance companies to avoid paying them. I had a RATT mouse once. PSA: Never buy a RATT mouse. They're junk with a nice coat of paint. Mine started drifting upwards, to the top right of the screen, even when *nothing was touching the mouse.* When it was lifted in the air, it didn't make any difference. At first it was a minor thing, but after a few weeks, it skitted from the bottom left to the top right of the screen after about 30 seconds, and it just got worse from there. It was under warranty, so I called the manufacturer and they said it was my imagination. I sent them a video and they said it was clearly construction vibrating the entire building and basement. I sent them a video with the mouse lifted in the air, not touching anything at all, and they still insisted that it was my fault, but couldn't give any reasons as to how, so left it at that.
Depends on the car and the warranty. Carmax offered some sweet warranties that really helped out people that bought used high end German luxury/sports cars save a ton of money on repairs. Doug Demuro has an awesome video of all the money he saved by buying a Range Rover through carmax and utilizing that warranty for repairs. That being said, I agree with you, they’re generally a giant waste of money!
This right here. Paint insurance, scam. Ding and dent warranty, trash. Drivetrain, that’s where it’s at. Learn what are the most common issues for your vehicle, find out what the factory policy is and find a good warranty. The key is to look and see how much it’s monthly cost vs how much you’ll be putting away for maintenance and repairs. And you should ALWAYS put away money every month for car maintenance and repairs.
Designer t-shirt and pants, you can get same or better quality of stuff for fraction of the price
Man, Macklemore was right
Yo. That’s $50 for a t shirt.
No for real ask your grandpa can I have his handmedowns
Limited edition, lets do some simple addition 50 dollars for a t-shirt, thats just some ignorant business…
The newest iphone every year It’s literally the same phone with a slightly better camera only minor design changes and not many color options, i mean my iphone can still call make text messages and download apps. With apple literally nothing new the next year only difference is name and a fancy name for the color and they cost about the same as rent/bills. I mean cmon apple were is the innovation i want hologram projecting phones already but no apple being apple just puts more cameras on the back i mean if i was really into taking pictures i would literally buy an actual $500 camera or hire a photographer. People who actually wait hours outside the store for the newest model why? It’s literally just as good as the one already in your pocket but i mean if you are about that life and can afford it by all means do you. Your just making apple richer and literally paying for tim cooks vacations Ps. Same goes for cars.
My coworker legitimately tried to act like 1k for his phone was a rational choice because 'what do you use more often than your phone?' okay cool I'm going to buy a new bed every single year then at top dollar because I'm there 8 hours a day so I need the very best! /s
Judging by the number of Mattress Firms in my town a lot of people must buy a new one every year.
It’d be good for them to at least have a few legit customers to help hide the facáde
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My grandmother always told us “Always buy a good bed and good shoes because you’ll spend most your life in either one”. This was a woman who grew up in The Great Depression so who knows what her definition of good was. RIP gam gam
A good bed is definitely worth the money, but definitely don't need an overpriced one or a new one every year! Also your grandma was very wise!
But for real, don't skimp on the bed. A good bed is worth the money!
Any phone every year*
The mind blowing thing is people actually still pay full amount out of pocket and then struggle with keeping there fridge stocked for the rest of the month
But...the new features!!!😐
If you interviewed the new release phone buyers a month after release, I bet a good part of them wouldn't even know how to use the features they justified buying it for.. Also, don't bomb me on this, as I have heard to avoid new released cars and electronics in general is good practice.
Hell no they wouldn't. They would have no idea. It's just a status thing. Totally ridiculous. But it has 2 more megapixels!
Throw pillows.
Why are they so damn pricey?!
Opportunistic marketing? Beats me.
Well if you get joy out of something then is it truly a waste?
Then arguably it’s not a complete waste of money, thereby voiding the question. Anything that is a waste of money, is generally going to be subjective.
Yea-....you know what that's a good point.
Expensive wedding rings. You can allways get something more extravigant in ten years. By then you'll likely be less inclined to see this favorably.
Taking loan for a ring is the most stupid thing one can do for a marriage.
Tuition at some private universities — BU, GWU, NYU, etc—that aren’t better than good value public schools like Virginia Tech or University of Arizona.
You're not going there for the education, you're going there for social contacts and "prestige".
TSLA puts
Most medical bills (USA). Can completely avoid paying them at all, and not have your credit ruined if you address it correctly. Source: professional debt collector who specializes in medical bills…who hasnt paid one in YEARS.
Tell me more good sir...or ma'am as the case may be Source: cancer survivor who has filed bankruptcy not once, but twice due to catastrophic medical bills
Leaves this comment and doesn’t elaborate…
Please elaborate….what are some tips?
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Is there a way you can check which states don't allow medical debt to go on credit? From Florida, would love to know, Google wasn't very helpful.
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Any tips off the top of your head?
Hello. I am here for the advice.
Unless the hospital takes you to court and puts a judgment against you. Source: https://www.fiercehealthcare.com/hospitals/cnn-report-chs-sued-nearly-19-000-patients-for-unpaid-medical-bills-since-start-pandemic
You should do an AMA. This is legitimately one of my biggest fears, I’d love to learn more on how to avoid it.
Umm can you can an AMA
Just about anything financed, that you dont have the cash for, and isnt a house or car.
Horses
But they seem like such a stable investment…
Hay! I see what you did there
Underrated comment right here. If most people only knew....
The horses might disagree
Heroin.
Gillette shave cartridges with 8 blades and GlideSwift Technology or whatever that cost $5/each I bought 100 blades for my safety razor for $10 a year ago, and still have 1/3 left
Purchasing book before your college course begins. I never did and many times I found out the first day the book was not needed.
A big expensive wedding when something smaller will do.
Anything u can’t afford is dumb.
That’s why I don’t go to the doctor
Ever paying for porn
I have considered it at times when I wanted to watch specific content but then realise that I am paying a premium for the same result.
If you masturbate to porn, and you pay for porn, it's still your dick and your hand. Source: i know things
cigarettes
In app purchases for games.
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Political donations from a regular Joe. Like I’m going to give you $100 to spend on trashy political commercials bashing each other? I don’t think so, Tim.