•Work a job you hate, and spend your free time buying happiness. Instead, find fulfilling work Monday through Friday so you’re not compensating for your misery with expensive habits during the weekend.
•Live paycheck to paycheck and don’t worry about saving money. Live for today, that’s all that matters. Have you already achieved all of your dreams by this moment? If not, embrace hope and plan for tomorrow. (Appreciating your life today doesn’t require unnecessary expenditures.)
•Stop your education when someone hands you a diploma; never read a book on personal finance. Just about any expert will tell you that the most reliable way out of poverty is education. Diplomas shouldn’t be the end of learning; they should be a milestone in a lifetime of acquiring wisdom.
•Play the lottery as often as possible. While you’re at it, hit the casino! Magical thinking, especially when it comes to money, is a dangerous way to seek financial security.
•Run up your credit cards and make the minimum payments whenever possible. Paying interest on stuff you really don’t need is a tragic waste of money.
•When you come into some free money, spend it. You deserve it. By that logic, you’re saying that a future version of you doesn’t deserve the money, which can be multiplied with wise investments.
•Buy the biggest wedding and the biggest ring so everyone can see just how fabulous you really are. Nothing says “Let’s start our future together” like blowing your entire savings on one evening.
•Treat those “amazing” celebrities and “successful” athletes as role models. Try to be just like them whenever possible. As far as we know, there’s only one you the universe has ever known. Don’t dilute your unique individuality by chasing an image.
•Blame others for your problems in life. Repeat after me: I am a victim. The victim mentality is an attempt to rationalize poor habits and bad decision-making.
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