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cv91915

Master List of Reasons People Don't Save Enough for Retirement

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I'm putting this on the list of your wife's quirks.

 

1 - RedPlum ad junkie

2 - Joel Osteen aficionado

3 - Conspiracy theorist

 

I have the rest in the file cabinet.

The latest quirk - and it might end up becoming a due cause for legal action in divorce court - DW mentioned she now listens to DR on her way home from work. She mentioned she wants to attend one of his snak... I mean seminars.

 

 

Oh, no. :(

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I'm putting this on the list of your wife's quirks.

 

1 - RedPlum ad junkie

2 - Joel Osteen aficionado

3 - Conspiracy theorist

 

I have the rest in the file cabinet.

The latest quirk - and it might end up becoming a due cause for legal action in divorce court - DW mentioned she now listens to DR on her way home from work. She mentioned she wants to attend one of his snak... I mean seminars.

 

 

Oh, no. :(

Oh it will be so much fun.

 

"Oh, so you want to partake in a charlatan like DR? Fine."

 

*clickety click click click* [shutting down all of her AU cards]

 

"You may now live without credit"

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I'm putting this on the list of your wife's quirks.

 

1 - RedPlum ad junkie

2 - Joel Osteen aficionado

3 - Conspiracy theorist

 

I have the rest in the file cabinet.

The latest quirk - and it might end up becoming a due cause for legal action in divorce court - DW mentioned she now listens to DR on her way home from work. She mentioned she wants to attend one of his snak... I mean seminars.

 

 

Oh, no. :(

Oh it will be so much fun.

 

"Oh, so you want to partake in a charlatan like DR? Fine."

 

*clickety click click click* [shutting down all of her AU cards]

 

"You may now live without credit"

 

 

All you would be doing is costing yourself rewards...

 

I would just point out all the downfalls of living in a world without credit (risk of your funds vs. banks, higher insurance cost, car rental issues, inability to get a mortgage/car loan (or having to pay much higher rates)) and so forth. If she can't understand math and logic, well then I hope she is a hell of a cook or a tiger in the sack.

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I'm putting this on the list of your wife's quirks.

 

1 - RedPlum ad junkie

2 - Joel Osteen aficionado

3 - Conspiracy theorist

 

I have the rest in the file cabinet.

The latest quirk - and it might end up becoming a due cause for legal action in divorce court - DW mentioned she now listens to DR on her way home from work. She mentioned she wants to attend one of his snak... I mean seminars.

 

 

Oh, no. :(

Oh it will be so much fun.

 

"Oh, so you want to partake in a charlatan like DR? Fine."

 

*clickety click click click* [shutting down all of her AU cards]

 

"You may now live without credit"

 

 

All you would be doing is costing yourself rewards...

 

I would just point out all the downfalls of living in a world without credit (risk of your funds vs. banks, higher insurance cost, car rental issues, inability to get a mortgage/car loan (or having to pay much higher rates)) and so forth. If she can't understand math and logic, well then I hope she is a hell of a cook or a tiger in the sack.

 

That would be a no and a no. Hence my previous statement about cause for action in divorce court....

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I'm putting this on the list of your wife's quirks.

 

1 - RedPlum ad junkie

2 - Joel Osteen aficionado

3 - Conspiracy theorist

 

I have the rest in the file cabinet.

The latest quirk - and it might end up becoming a due cause for legal action in divorce court - DW mentioned she now listens to DR on her way home from work. She mentioned she wants to attend one of his snak... I mean seminars.

 

 

Oh, no. :(

Oh it will be so much fun.

 

"Oh, so you want to partake in a charlatan like DR? Fine."

 

*clickety click click click* [shutting down all of her AU cards]

 

"You may now live without credit"

 

 

All you would be doing is costing yourself rewards...

 

I would just point out all the downfalls of living in a world without credit (risk of your funds vs. banks, higher insurance cost, car rental issues, inability to get a mortgage/car loan (or having to pay much higher rates)) and so forth. If she can't understand math and logic, well then I hope she is a hell of a cook or a tiger in the sack.

 

That would be a no and a no. Hence my previous statement about cause for action in divorce court....

 

 

Good lord.

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Reading this I will say that going to weddings between cabs, airline, hotel, food, and gift gets very pricey. Also now that I have procured a mod on my mortgage I will keep the credit monitoring until it goes through and then I will drop the credit monitoring and then soon thereafter the daily MyFico score watch. It is a good fraud watch. I did get an old zombie debt letter, first one in four years! I wonder if my mortgage reports if I will get more. It will be the last hurrah for the JDB. So I will add one to the list- women who color their hair. I let mine go gray and I figure at every six weeks max or so, ten x/yr, say $100/pop single process with wash or cut/blowout that's $750/yr. may we add colored nail polish which chips after three days so 52 weeks x 2/wk x $10 is $1040 plus tax and so total about

 

 

Sent from my iPhone using Tapatalk

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Reading this I will say that going to weddings between cabs, airline, hotel, food, and gift gets very pricey. Also now that I have procured a mod on my mortgage I will keep the credit monitoring until it goes through and then I will drop the credit monitoring and then soon thereafter the daily MyFico score watch. It is a good fraud watch. I did get an old zombie debt letter, first one in four years! I wonder if my mortgage reports if I will get more. It will be the last hurrah for the JDB. So I will add one to the list- women who color their hair. I let mine go gray and I figure at every six weeks max or so, ten x/yr, say $100/pop single process without wash or cut/blowout that's $750/yr. May we then add colored nail polish which chips after three days so 52 weeks x 2/wk x $10 is $1040 plus tax and so total about $1250/ yr before a pedicure. Wow. So manicures and hair coloring is a cool $2k/yr.

 

 

Sent from my iPhone using Tapatalk

 

Sent from my iPhone using Tapatalk

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Various home shopping networks.

 

HSN, QVC, etc.

 

And even more insidious, buying anything at a rent-to-own place (Aarons, RAC, etc)

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Deal Dash dot com

 

DW told me one of her coworkers has money issues. Cant stay off the site.

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Deal Dash dot com

 

DW told me one of her coworkers has money issues. Cant stay off the site.

 

Good lord

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Updated with latest suggestions, and alphabetized for easier reference.

 

24" wheels for Honda Pilot

401(k) loans

Account maintenance fees

Adult children living at home

Amway

Apps

Aromatherapy

ATM fees

Back-to-school shopping

Beer

Bikini waxing (Konrad2012 dissents)

Boats

Buying the cheapest auto insurance

Cable

Cheap shoes

Children

Children's activities

Christmas gifts

Cigarettes

Craft IPA

Credit card interest

Credit Monitoring Service

Credit Repair Service

Data plans

Dealdash.com

Deer pee on a payment plan

Dining out

Discretionary purchases

Divorces

DUIs/attorney fees defending DUIs

Essential oils

Eyebrow threading

Failing to buy health insurance

Fingerhut

Flavored cigars

Four wheelers

Gambling/casinos

Gear, parts, other hobby/obsessions

Grape Kool-Aid

Guns

Gym memberships
Lululemon yoga outfits

Herbalife

In-app purchases

iPhones

Jewelry

Lottery tickets

Mary Kay

Mid Life Crises

Money lent to family that will never be repaid

New Years Resolutions

NFL stuff

Nutritional supplements (protein powder, pre-workout drinks)

Overdraft fees

Paparazzi $5 jewelry

Payments on co-signed loans to keep them current

Pet care, surgery, ER

PMI

Poor housing decisions

Premium Bottled Water

Premium Ice Cream, especially if purchased at a drug store or corner store

Prom

Recreational use marijuana

Red Lobster®

Rent To Own
Sales/Coupons (causing unnecessary purchases that wouldnt have happened otherwise
Scentcy candles
School pitures
Signing up for every web based TV/movie subscription service (Netflix, and Hulu, and HBO, and ...)
Speeding tickets
Sports cars
Sports memorabilia

Starbucks
Strip clubs
Student loans
Subprime car loans
Tattoos
Taxes

Timeshare “investments”
Tithing / religion
Truck nuts
Turbo Tax
UFC pay-per-view
Wasting time couponing to stock up on 81 years of body wash instead of getting a job
Weddings
Wives
WWE tickets

Edited by cv91915

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I've been installing robotics systems in various locations for a very large E-commerce company (figure out who on your own). 

 

Anyways overheard a salamander's concern that if he loses his job or gets reduced hours because of the robots, he might not be able to make the payments on the rims for his Crown Vic. 

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3 hours ago, TheVig said:

I've been installing robotics systems in various locations for a very large E-commerce company (figure out who on your own). 

 

Anyways overheard a salamander's concern that if he loses his job or gets reduced hours because of the robots, he might not be able to make the payments on the rims for his Crown Vic. 

That's adorable.

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I've said it before, and people get grumpy and defensive when I do, but I 100% believe being poor is a choice one makes. Sure, some people have stuff happens that they couldn't have planned for if their life depended on it, but those cases are few and far between. People just spend too much money on crap they don't need. I have a coworker who is always yelling at her bank about overdraft fees and there is no one at my company who should be hurting for money. But she eats out 2, 3x a day at $8-15 a pop. Gee, I wonder why you're broke....🙄

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