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462 Comments
- Calculusaurus, on 02/18/2008, -17/+280"Tequila is seriously evil."
Words of wisdom. ***** tequila. - iamdon, on 02/18/2008, -7/+209you missed one...Internet is not the cure of loneliness..get *out there* and spend some real quality time with family and friends
- StanleyKoolPrik, on 02/18/2008, -6/+198...and don't forget to wear sunscreen,
- omnithought, on 02/18/2008, -19/+198I'd like to add one more: don't ever use credit cards to buy anything. Use them for reserving things that require a credit card and that's it. You think "It's just another hundred dollars, I can pay that off easy!" It WILL add up fast and next thing you know you have a big fat credit card bill every month. Rule of thumb when considering a purchase: if you don't have the money in the bank, you can't afford it right now.
- ThomasPalmer, on 02/18/2008, -13/+168Sweet, I'm 18. Thanks Zen Habits!
- TypeEE, on 02/18/2008, -3/+145All that time you spend digging on Digg is a huge, huge waste of time.
- jonr, on 02/18/2008, -10/+147Have sex. Lot's of it.
- JoeB4ever, on 02/18/2008, -2/+130but trust me on the sunscreen.
- inactive, on 02/18/2008, -0/+118"Experience is a comb which nature gives us when we are bald"
- inlovingmemory, on 02/18/2008, -8/+86being young and arrogant i wont take this seriously just yet,I'll learn from my own mistakes thank you.
- ddrirc, on 02/18/2008, -5/+80There's nothing wrong with credit cards if you know the correct way to use them. (eg paying them off every month)
- jfh2112, on 02/18/2008, -10/+82It's a shame to find this when I'm 37 instead of 18. :) Absolutely wonderful advice
- Lanefair, on 02/18/2008, -3/+75I can't be bothered to read it, but I'll add something anyway:
Take your own lunch to work everyday. Yeah it's a hassle buying the ingredients, but you'll lose weight and save a load of pounds/bucks. When you buy a sandwich in a shop it's full of salt mayo cheese and god knows what else. - ucg1, on 02/18/2008, -6/+62Credit cards are fine for people who have some self control and can stick to a budget. Of course it's good advice for people with a spending problem.
Using credit cards has advantages in certain situations. You can refute faulty/fraudulent charges more easily. Charges to your check card instantly removes the cash from your account. I know someone who had a faulty charge on her check card from some company she was dealing with online. The company recognized their error and corrected it, but it was still several days before she got her money back and that caused problems for her because she had other bills to pay. If that was a credit card it wouldn't have been a problem. With your bank account you may be able to refute fraudulent charges, but its much more difficult, and in the meantime your money is gone. With credit cards fraudulent charges are simple to deal with.
Learn how to budget and have some self control so that you can pay off your credit card bill every month and have some money to spare to put in a retirement/investment account. The credit card is not the problem, its you. - mrloco, on 02/18/2008, -1/+47Oh....man.... I'm so high right now... I dunno whats goin on.
- simongzster, on 02/18/2008, -2/+46Use a credit card for EVERYTHING. Know your budget, and use self control. Pay off your card every month. Get a card with rewards you can use.
- MiDri, on 02/18/2008, -3/+43and a towel!
- AmyLillard, on 02/18/2008, -3/+41Great stuff. But what a great thought too - all the crappy mistakes we make, all the debt we rack up, all the wrong turns we feel like we make, are extremely valuable in the long run. I absolutely agree.
- amandakendle, on 02/18/2008, -4/+42Yep, I agree with nearly all of them. Pity I'm already 32 :-)
- Orderless, on 02/18/2008, -1/+38Attn: Bloggers
I'd like a list, similar to this one, that is geared more towards a person who needs to ***** his life. Yes, it's for me. - IndigoMoss, on 02/18/2008, -3/+37Protected sex that is.
- h0merg0mez, on 02/18/2008, -0/+33Hey man, ***** you.
Sincerely,
Tequila - NGNR, on 02/18/2008, -4/+34I’m only 23, I’m not someone who is old and wise with a track record to prove it.
But I agree with him 100% on this. I’ve been living my life by similar guidelines, some things you learn via trial and error or old age, other things you learn from friends and family, or observing other people(in general). I just wish I had started a few things earlier. - drgmdp, on 02/18/2008, -10/+38hmmm... in a list of 20 advices about life, 2 of them are about weblogs?
wtf
bloggers need to step down, nobody in the real world cares about them - inactive, on 02/18/2008, -0/+27I think he's still drunk
- mrblonde314, on 02/18/2008, -4/+28Sex is proven to be one of the healthiest acts a human being can do. We have evolved as beings to crave it. It is physically and mentally stimulating. Sex has absolutely nothing to do with maturity or the lack thereof. Maybe your sex is a waste of time but speak for yourself.
- whoaohh, on 02/18/2008, -0/+23and stop playing World of Warcraft!
- sw1ft, on 02/18/2008, -2/+23What the hell kind of tequila were you drinking that prompted you to leave a $22+ tip?
- TheKillDoctor, on 02/18/2008, -7/+28Just ignore the "run a marathon" advice and you'll have hips, ankles, and knee caps that work when you're 65.
- mattmcm, on 02/18/2008, -3/+23I couldn't agree more, but your closing statement was lacking the pizazz I grew to expect from your previous points.
- Sansui, on 02/18/2008, -1/+20Agreed - I put everything I possibly can on my credit card. I use cash maybe every 4 or 5 months, and the only thing I use checks for are rent and utilities. I just treat the credit card like a debit card - if I don't have the money in savings/checkings to pay for whatever I'm buying, I don't buy it.
At the end of the year I get a nice credit card report that sums up my purchases in tidy categories, as well as a cashback bonus in January that pays for a little bit of the christmas bills. - DrMonkeyLove, on 02/18/2008, -2/+20Yeah, this is great advice. And most of your parents were probably giving you all this advice but you didn't bother to listen until you read it on an Internet blog.
21. Listen to you parents. They probably have some good advice.
The sad thing is, all this is considered advice that people are in desperate need of, when it should be common sense. - breezytrees, on 02/18/2008, -1/+19I can attest to this! My life drastically changed as soon as I started making my own sandwiches. Before it was bleak, scary, and I was a premature ejaculator. Now I'm smarter, sexier, more confident, and can have sex for hours! Months after I started making my own sandwiches I got three promotions, a new BMW, and a girlfriend who enjoys ballet competitions.
- imLissy, on 02/18/2008, -2/+19I keep reading these lists and I have yet to see anything that makes me go, hmm, you know what, I never thought of that.
- AmICoolNow, on 02/18/2008, -0/+17Am I the only one who would rather have this be a Hitchhiker's Guide reference than a Towely reference?
- dano333333, on 02/18/2008, -1/+17If there's just one thing I could tell a younger version of myself to avoid it would be credit card debt. I can cripple you financially and take years to pay off.
- inactive, on 02/18/2008, -1/+16I had to condition my mind differently to control credit cards. Think of sales tax. Doesnt it suck paying that extra 5-8 bucks on every 100? Well, take that tax, and add that APR to it when figuring out the price of something. 8%, 16%, 24%? Your item, plus 5%, Now, is it really wroth it to pay an extra 20 bucks, 50 bucks, etc. for something because you can't wait a few weeks and save?
- ligyron, on 02/18/2008, -1/+16Instead take advice from some random Digger?
- whorunbartertwn, on 02/18/2008, -1/+16Woah you have to get a sick rate of return to retire in your 40s by saving $50-$100 per month.
$100/month compounding at 10% annually for 25 years would be about $130k. That $130k would be worth about $60K in today dollars assuming 3% inflation. Taking the 4% rule you'd be living on $60k x .04 = $2400 annually or about $200/month. I'd recommend the Wal-Mart generic brand over Purina cat food, it's about 9 cents cheaper per can.
Even if you managed 15% on your investments over 25 years you'd be at about $325k = $150 purchasing power = $500/month to live on.
The gist of your post is great. People should definitely make every effort to save and use the power of time/compounding to reach their financial goals, but retiring in your 40s requires a very rare ability to save 25% or more of salary over a couple decades. - lolinyerface, on 02/18/2008, -2/+17OMG somebody humbles themselves and admits fault on past occurrences!!?!
Flame them! Cast that stone, Mothrog! You're as pure as a daisy! - known, on 02/18/2008, -0/+14yeah, better late than never
- gencha, on 02/18/2008, -10/+2421 Writing *****, everyone of my age already knows, into my blog is a ***** waste of time.
- FatPhizzle, on 02/18/2008, -2/+15yea i hate tequila. One time I went into a bar/restaurant and ordered a round of shots for my friends but little did I know that they were $11 a shot! So I ended up paying over $110 on one round of 8 shots. Worst investment of my life.
- jsg7, on 02/18/2008, -0/+13Google cache:
http://209.85.165.104/search?q=cache:_RwceVcGu-UJ: ... - stellamaris, on 02/18/2008, -0/+13As meaningless as some of this advice is, I'm glad that there are 30 year old bloggers out there telling me their mistakes so I can at least recognize them when they're made, if not avoid them. I'm 20 and don't have any loans or a credit card yet, and I want to put it off for as long as possible (when I graduate next summer, maybe). Yet there are people my own age who tell me I should rack up some debt and pay it off with loans. I understand about building credit, but I'd rather do it when I actually have money to use, when I'm NOT a broke college student.
- starbar, on 02/18/2008, -1/+13Digg is NOT the place to go to research Politics.
- mrblonde314, on 02/18/2008, -2/+14Actually, one of the best things you can do when you're 18 is get ONE credit card with a small limit on it. Pay that ***** off as you go. Very easy to do with online banking / payments. Credit is something that takes years to establish, even if its always been perfect. My rule of thumb is that I should always have my credit limit in my savings account before I use it. So if I have a $2,000 limit I should have $2,000 in my savings to back it up. Plus you never know when an emergency will arise where you need a quick $1,000, i.e. car accident. Go through life having ONE credit card and make sure its not a department store. Those things have such high APR rates that you'll run yourself into debt forever if you can't pay them off in time. My girlfriend bought a Gamecube and some games / accessories 2 years ago for about $250 and since the APR was 24% and she spent without having the money to back it up, she has now paid $500+ for that thing because she only pays the minimum payment. Oh! That reminds me. NEVER pay the minimum payment. Its designed to keep you in debt FOREVER!
- amiches, on 02/18/2008, -1/+13Unless, of course, you're in an industry that requires you to live in an expensive city. Or you're young and want to remain as mobile as possible for career purposes. Owning a home is well and good but it's not for everybody at their stage of life and it's not a guaranteed wealth booster - ask anyone who's trying to sell right now.
- neko6, on 02/18/2008, -2/+14"Don't listen to other people's advice on blogs." - I would say instead - always listen to other people's advice, learn to recognize when it would be right to accept it and when not to.
- VinnieDaMac, on 02/18/2008, -4/+1521. Don't go swimming after you eat for 30 mins.
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