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


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113 replies to this topic

#51 Tigz

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Posted 21 April 2017 - 04:03 PM

Cigarettes......

 

 

But I don't plan on living until retirement...so it works out in the end.  (or butt as the case may be) 





#52 cv91915

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Posted 06 May 2017 - 06:13 AM

!!!!!!!!!!!!!!! 401(k) LOANS !!!!!!!!!!!!!!!!



#53 HoldenMcGroin

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Posted 28 May 2017 - 12:21 PM

  • Avocado toast
  • Crippling student loan debt  :(


#54 CTSoxFan

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Posted 28 May 2017 - 02:42 PM

 

  • Avocado toast
  • Crippling student loan debt  :(

 

 

I would say crippling student loan debt because you picked a major that has no practical real world application and poor job prospects (I am staring at you philosophy majors...)



#55 HoldenMcGroin

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Posted 28 May 2017 - 04:15 PM

 

 

  • Avocado toast
  • Crippling student loan debt  :(

 

 

I would say crippling student loan debt because you picked a major that has no practical real world application and poor job prospects (I am staring at you philosophy majors...)

 

It can be crippling even with a practical major.  I'm an accountant so the job prospects are good, just sucks that for the first ten years of employment a good chunk of my income goes toward loans.  I could get payments lowered but then I'd end up paying more overall so I just suck it up.



#56 TheVig

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Posted 28 May 2017 - 08:17 PM

Many get a degree in a field over run with people holding the same degree.

Here's looking at you peeps with run of the mill Business Admin degrees.

Yeah and I agree with the philosophy degrees, or as I like to say.....a degree in German polka history.

I remember years ago there was a college in OR that offered a degree in Star Trek. Another in WA actually offered a degree in the history of basket weaving. I guess that one could come in handy at your nearest wicker furniture store.

#57 ICANHASMUNY?

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Posted 29 May 2017 - 04:43 AM

 

 

 

  • Avocado toast
  • Crippling student loan debt  :(

 

 

I would say crippling student loan debt because you picked a major that has no practical real world application and poor job prospects (I am staring at you philosophy majors...)

 

It can be crippling even with a practical major.  I'm an accountant so the job prospects are good, just sucks that for the first ten years of employment a good chunk of my income goes toward loans.  I could get payments lowered but then I'd end up paying more overall so I just suck it up.

 

 

wonder why your doctor charges so much and why medical billing is so high?  why medical services is rife with inflated billing ?    - Student loans for medical degrees



#58 cv91915

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Posted 29 May 2017 - 08:48 AM

  • Starbucks
  • Data plans
  • PMI
  • Deer pee on a payment plan
  • Red Lobster®
  • Subprime car loans
  • iPhones
  • Lottery tickets
  • Tattoos
  • Boats
  • Four wheelers
  • Fingerhut
  • Attorney Fees defending DUIs
  • "Recreational use" marijuana
  • Beer
  • Credit card interest
  • Money lent to family that will never be repaid
  • Payments on co-signed loans to keep them current
  • Children
  • Discretionary purchases
  • Bikini waxing
  • 24" wheels for Honda Pilot
  • Tithing  / religion
  • Wasting time couponing to stock up on 81 years of body wash instead of getting a job
  • Cigarettes
  • "Craft" IPA
  • UFC pay-per-view
  • WWE tickets
  • Christmas gifts
  • Strip clubs
  • Cheap shoes
  • Buying the cheapest auto insurance
  • Failing to buy health insurance
  • [gear, parts, other hobby/obsession]
  • Grape Kool-Aid
  • Flavored cigars
  • Sports memorabilia
  • Poor housing decisions
  • Dining out
  • Weddings
  • Divorces
  • Amway
  • Mary Kay
  • Herbalife
  • Scentcy candles
  • Pet care, surgery, ER
  • Taxes
  • Truck nuts
  • 401(k) loans
  • Student loans


#59 TheVig

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Posted 05 June 2017 - 08:02 PM

Avocado toast.

#60 unleashedfury

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Posted 07 June 2017 - 11:15 AM

This thread can be summed up in one phrase.

"People doing dumb %$#& with money they don't have"

As far as the redivulous college degrees that aren't even worth toilet paper. Someone somewhere saw a value in this as marketable. The sheep flocked

#61 Big Bear

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Posted 07 June 2017 - 12:23 PM

 

 

  • Avocado toast
  • Crippling student loan debt  :(

 

 

I would say crippling student loan debt because you picked a major that has no practical real world application and poor job prospects (I am staring at you philosophy majors...)

 

I'm going to add the other side to this...

Choosing a major that allows your income to grow so fast that you have zero tax benefit on the absurd amounts of interest you pay in student loan payments.

 

But I'll take this literal first world problem over having to admit to being a philosophy major. :)



#62 Big Bear

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Posted 07 June 2017 - 12:24 PM

Craft beer... it's an expensive, umm, hobby. 



#63 hegemony

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Posted 07 June 2017 - 05:20 PM

failure to have cashback credited from Discovery



#64 cv91915

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Posted 07 June 2017 - 07:27 PM

Prom

#65 unleashedfury

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Posted 08 June 2017 - 09:58 PM

Prom


This is an ungodly overwhelming cost these days, I swear some people spend more on their high school prom than a wedding I guess they figure it's their only chance before they get knocked up by some thug who bails on them so they are 23 in a trailer park with no teeth and failed dreams

#66 cv91915

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Posted 21 June 2017 - 01:32 PM

 

  • Starbucks
  • Data plans
  • PMI
  • Deer pee on a payment plan
  • Red Lobster®
  • Subprime car loans
  • iPhones
  • Lottery tickets
  • Tattoos
  • Boats
  • Four wheelers
  • Fingerhut
  • Attorney Fees defending DUIs
  • "Recreational use" marijuana
  • Beer
  • Credit card interest
  • Money lent to family that will never be repaid
  • Payments on co-signed loans to keep them current
  • Children
  • Discretionary purchases
  • Bikini waxing
  • 24" wheels for Honda Pilot
  • Tithing  / religion
  • Wasting time couponing to stock up on 81 years of body wash instead of getting a job
  • Cigarettes
  • "Craft" IPA
  • UFC pay-per-view
  • WWE tickets
  • Christmas gifts
  • Strip clubs
  • Cheap shoes
  • Buying the cheapest auto insurance
  • Failing to buy health insurance
  • [gear, parts, other hobby/obsession]
  • Grape Kool-Aid
  • Flavored cigars
  • Sports memorabilia
  • Poor housing decisions
  • Dining out
  • Weddings
  • Divorces
  • Amway
  • Mary Kay
  • Herbalife
  • Scentcy candles
  • Pet care, surgery, ER
  • Taxes
  • Truck nuts
  • 401(k) loans
  • Student loans
  • Apps
  • In-app purchases

 



#67 hegemony

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Posted 21 June 2017 - 02:19 PM

tithing



#68 cv91915

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Posted 21 June 2017 - 02:33 PM

 

 

  • Starbucks
  • Data plans
  • PMI
  • Deer pee on a payment plan
  • Red Lobster®
  • Subprime car loans
  • iPhones
  • Lottery tickets
  • Tattoos
  • Boats
  • Four wheelers
  • Fingerhut
  • Attorney Fees defending DUIs
  • "Recreational use" marijuana
  • Beer
  • Credit card interest
  • Money lent to family that will never be repaid
  • Payments on co-signed loans to keep them current
  • Children
  • Discretionary purchases
  • Bikini waxing
  • 24" wheels for Honda Pilot

     

    tithing

     

  • Tithing  / religion
  • Wasting time couponing to stock up on 81 years of body wash instead of getting a job
  • Cigarettes
  • "Craft" IPA
  • UFC pay-per-view
  • WWE tickets
  • Christmas gifts
  • Strip clubs
  • Cheap shoes
  • Buying the cheapest auto insurance
  • Failing to buy health insurance
  • [gear, parts, other hobby/obsession]
  • Grape Kool-Aid
  • Flavored cigars
  • Sports memorabilia
  • Poor housing decisions
  • Dining out
  • Weddings
  • Divorces
  • Amway
  • Mary Kay
  • Herbalife
  • Scentcy candles
  • Pet care, surgery, ER
  • Taxes
  • Truck nuts
  • 401(k) loans
  • Student loans
  • Prom
  • Apps
  • In-app purchases

 

 



#69 cashnocredit

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Posted 21 June 2017 - 04:53 PM

tithing

 

My father referred to it as "fire insurance"



#70 hegemony

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Posted 21 June 2017 - 06:44 PM

tithing



#71 TheVig

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Posted 03 July 2017 - 05:02 PM

Sporting goods for children who have no hope of becoming good.

Dance gear for children who show no signs of improved coordination or rythem.

#72 cv91915

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Posted 18 July 2017 - 10:41 AM

 

 

 

  • Starbucks
  • Data plans
  • PMI
  • Deer pee on a payment plan
  • Red Lobster®
  • Subprime car loans
  • iPhones
  • Lottery tickets
  • Tattoos
  • Boats
  • Four wheelers
  • Fingerhut
  • Attorney Fees defending DUIs
  • "Recreational use" marijuana
  • Beer
  • Credit card interest
  • Money lent to family that will never be repaid
  • Payments on co-signed loans to keep them current
  • Children
  • Discretionary purchases
  • Bikini waxing
  • 24" wheels for Honda Pilot

     

    tithing

     

  • Tithing  / religion
  • Wasting time couponing to stock up on 81 years of body wash instead of getting a job
  • Cigarettes
  • "Craft" IPA
  • UFC pay-per-view
  • WWE tickets
  • Christmas gifts
  • Strip clubs
  • Cheap shoes
  • Buying the cheapest auto insurance
  • Failing to buy health insurance
  • [gear, parts, other hobby/obsession]
  • Grape Kool-Aid
  • Flavored cigars
  • Sports memorabilia
  • Poor housing decisions
  • Dining out
  • Weddings
  • Divorces
  • Amway
  • Mary Kay
  • Herbalife
  • Scentcy candles
  • Pet care, surgery, ER
  • Taxes
  • Truck nuts
  • 401(k) loans
  • Student loans
  • Prom
  • Apps
  • In-app purchases

 

 

 

 

Bump



#73 hegemony

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Posted 11 August 2017 - 09:15 AM

http://www.marketwat...ties-2017-08-08



#74 TheVig

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Posted 12 August 2017 - 08:47 PM

Paparazzi $5 jewelry.

I had to Google it, when I saw the DW of a coworker selling it on FB.

Another MLM opportunity for the desperate.

Edited by TheVig, 12 August 2017 - 08:48 PM.


#75 cv91915

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Posted 13 August 2017 - 06:31 AM

  • Starbucks
  • Data plans
  • PMI
  • Deer pee on a payment plan
  • Red Lobster®
  • Subprime car loans
  • iPhones
  • Lottery tickets
  • Tattoos
  • Boats
  • Four wheelers
  • Fingerhut
  • Attorney Fees defending DUIs
  • "Recreational use" marijuana
  • Beer
  • Credit card interest
  • Money lent to family that will never be repaid
  • Payments on co-signed loans to keep them current
  • Children
  • Discretionary purchases
  • Bikini waxing
  • 24" wheels for Honda Pilot
  • Tithing  / religion
  • Wasting time couponing to stock up on 81 years of body wash instead of getting a job
  • Cigarettes
  • "Craft" IPA
  • UFC pay-per-view
  • WWE tickets
  • Christmas gifts
  • Strip clubs
  • Cheap shoes
  • Buying the cheapest auto insurance
  • Failing to buy health insurance
  • [gear, parts, other hobby/obsession]
  • Grape Kool-Aid
  • Flavored cigars
  • Sports memorabilia
  • Poor housing decisions
  • Dining out
  • Weddings
  • Divorces
  • Amway
  • Mary Kay
  • Herbalife
  • Scentcy candles
  • Pet care, surgery, ER
  • Taxes
  • Truck nuts
  • 401(k) loans
  • Student loans
  • Prom
  • Apps
  • In-app purchases
  • Back-to-school shopping
  • School pitures
  • Children's activities
  • Paparazzi $5 jewelry





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