🎓 The Fastest Way to Ruin Your Life Financially

Fastest Way to Ruin Your Life Financially

Step 1: Live Beyond Your Means

If you want to ruin yourself financially the best first step is to spend more than you make. Do not have any discipline in your spending.

Go through life with the idea that “I deserve nice things because I am special”. Also, remind yourself that your status is completely based on owning expensive things.

If you get a new raise at work, go and treat yourself to a brand-new car and a massive car loan because you deserve it.

Step 2: Ignore Your Bank Account

Don’t take the time or energy to consistently check your bank account. Ignore your problems in order to make them go away.

If your bank account makes you feel anxiety just remember it is easier to ignore your problems than to fix them and face them.

Step 3: Avoid Investing

Investing sounds too complicated and spending your money sounds much easier anyway.

Your future self can deal with the problems you cause now and plus the government will probably step in and help out anyway, right?

Ignore those who are older and wiser than you that recommend investing as soon as possible because they are just old boomers, what do they know anyway?

Step 4: Rack Up Debt

Think of your credit limit as just free money you can spend however you want. If you don’t make the minimum payments what will they do anyway?

Even if they decide to garnish your wages you won’t notice anyway because you never look at your finances.

Get that dream car you have always wanted because you can just pay for it later, and you will probably be making more anyway.

Step 5: Neglect Financial Education

People who try to teach financial education are just nerds who don’t care about living their best life.

Financial education also seems too complicated to understand anyway so you can just keep scrolling TikTok instead.

Remember that being financially educated makes you boring and will keep you from finding yourself or living your best life.

Step 6: Impulse Buying

If you want something, buy it! You deserve it anyway because you are so special.

Don’t take any time to think about if you really need to make that purchase or not because life is too short for smart decision-making.

Step 7: No Insurance

Forget insurance! You are so good that unfortunate events don’t happen to you. You are immune to disease, natural disasters, and human error.

Even if an emergency does come up you can just expect someone else to be there to bail you out.

Step 8: Ignore Bills and Payments

Ignore and forget about your bills because thinking about them gives you stress and anxiety.

If your bills do happen to get too overwhelming you can just rely on family, friends, or even the government to help bail you out because remember, you are special.

Step 9: Hope for Lucky Breaks

Don’t try hard to achieve your financial goals because there is probably somebody out there who will show up and do all the hard parts for you.

Maybe someone will come to do the work for you, or maybe you will win the lottery but somehow you will find success because you deserve it for being special.

Step 10: Stay in a Dead-End job

Remember that the company with over 10,000 employees cares so much about you and you are so special to them.

You are a valued employee and not just a company asset that can be easily exchanged like a machine. Stick with the same company your whole life even if you never move up in positions.

Forget that this is a free market and you can easily find other more lucrative jobs out there all the time.

Be loyal to your company because they will be loyal to you because you are special.

In The End…

This was fun and all but in all seriousness some of the biggest reasons people struggle financially is because of entitlement. People like to think that they deserve nice things or that other people will sacrifice to take care of them.

People also like to think the world is so perfect when in reality it is a tough and hard place and even though it sucks most people are just out there trying to feed themselves and don’t care about you at all.

This is why ideas like socialism and communism have become so popular, especially among young people and my generation. It is because the whole idea of communism is that you get just as much as everyone else even if you do less work, or your job is more stressful, or even if your job is way riskier.

People like this idea because it makes them feel special when in reality they are just entitled and think they deserve stuff without doing the work or making the sacrifices necessary.

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Other tools

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