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Who do you know that consistently makes the worst financial decisions?

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I was reading this Reddit thread and someone asked this terrific question:

“Who is the person you know that consistently makes the worst financial decisions? What have they done?”

One of the responses was:

My good friend, lets call him A, makes about 70k per year but is always broke. He is the first to pick up tabs at restaurants, bought a car way out of his price range, had to get rims and sounds for it, but struggles to feed himself everyday and is constantly borrowing money. He has 5 different pay day loans out, and they take about 1k out of each check.

I love this!!

There are only so many blog posts where I can be positive about how to raise your rates, how to answer a tough interview question, and how to talk to your partner about money.

So today, I thought it would be fun to enjoy some good, old-fashioned schadenfreude.

We all have friends who continue making terrible decision after terrible decision. Leave a comment below and share your best story about your friend/family member who keeps doing it. Keep it tasteful but feel free to be detailed. Enjoy.

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76 Comments on "Who do you know that consistently makes the worst financial decisions?"

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Diane
Diane
3 years 10 months ago
Oh dear. I have a few train-wreck friends and I so wish I could help them, but as you know Ramit, it’s very hard to “motivate” anyone. This friend, we’ll call Carla, is married with 2 little kids. Her husband has a good job (I don’t know what he earns) and she works 20 hours a week at a daycare at a gym. She does that for her own fun money, to the tune of $9ish/hour. Yikes. A door to door salesman sold her on a Kirby carpet cleaner, and she had to do a payment plan on it. She’s… Read more »
C
C
3 years 10 months ago
From experience, I’ve found that all my financial issues had roots in something psychological going on inside of me – so until I cleared that up, I was NOT going to listen to anyone else or even admit I had a problem. Because of this mindset, I was able to bury my head in the sand for *4 years* and completely ignore all my credit card debt, the fact that I had no financial cushion, savings, investments, anything, no strategy, no game plan, and no options. I don’t think you can motivate anyone – people have to motivate themselves and… Read more »
Diane
Diane
3 years 10 months ago

I have a different friend, single, early 20s, living in Chicago and earning $49k. She approached me about wanting to get her finances out of control and I gave her some tangible strategies.

Almost a year later and she hasn’t done anything with it. Still goes out all the time. Still spends on clothes like there’s no tomorrow. Gobs of debt in the form of credit cards and student loans.

Why do this to yourself? Why live for today and for appearances, and be so freakin broke that you never have breathing room?

B
B
3 years 10 months ago

My sister is like this. She was 2 months behind on rent. But she lives with an aunt and her rent is only $150 a month. She has a ton of credit card debt that is now consolidated and the company closes each card as it’s paid off-which we all know hurts your credit score. She also goes out all the time and has 3 road trips planned in the next year-even though she owes another family member $800. I even had to cosign her car loan. I really just want to slap her sometimes.

B+
B+
3 years 10 months ago

Cosigning an unreliable family member’s loan – also not wise.

Sue
Sue
3 years 10 months ago

I have a friend who left $3,000 on the table for no good reason. In response to the economic downtown, law schools were giving stipends to graduates willing to work in public interest. All you had to do was sign up. If you found something else, you could decline later. I know he was hoping for something better, but it just didn’t happen. So he lost not only the money, but the chance to gain experience. He was at home, playing video games and watching anime.

Christian L.
3 years 10 months ago
One of my closest buddies doesn’t make a ton of money, but also has a low cost of living in our cheap town. His problem is how he finances his party habits. He goes to bars too frequently and probably squanders (at least) $40 each week. We both hang with a group that loves bicycles. But his problem is that he’s always building a new bike. That’s not cheap. He has yet to start saving for anything, even a short-term goal. And he’s unfamiliar with his credit report. We try to snap him into shape, but it’s as if he… Read more »
Martin
3 years 10 months ago
I just berated a buddy over the phone. This guy can’t stop falling in love. Now love in itself is not a problem. I usually have a girlfriend. His problem is that he allows this to ruin his life. On his previous girlfriend he spent all of his money on steroids to get big for her and lingerie to keep her happy. He also travelled far to see her every single day. All while doing this, he was very needy and annoying. Then she left him. He spent all of his money, was broke and sad. I convinced him to… Read more »
Stephanie
Stephanie
3 years 10 months ago
My parents are awful with money. My dad is a Real Estate Broker and when the market was up he made around $800k in two years. Since my Dad was doing so well, my mom quit her job (with great benefits). Well, 2008 came and he couldn’t sell anything. In the meantime, my parents blew through that money. Buying extravagant cars, four wheelers, and other junk. My dad even bought an $8000 guitar. The money was gone within 3 years and my parents were hurting so bad that my mom cashed in her 401K. Since the recession, my mom couldn’t… Read more »
anonymous coward
anonymous coward
3 years 10 months ago
Maybe you’ve learned from your parent’s mistakes, but it doesn’t sound like you’ve learned from your grandparent’s mistakes. Why on earth do you believe that you “HAVE” to pay for a brother’s college education? You don’t “HAVE” to pay one penny of a brother’s college education. If a bank won’t loan him money, if a college won’t grant him a scholarship, if an employer won’t give him a job…these objective institutions know something you don’t. I have never seen anything good come of a sibling giving money to another sibling. I have seen a lot of harm come of it,… Read more »
Stephanie
Stephanie
3 years 10 months ago
My brother received grants and loans to cover his tuition. I did however, pay for his books and bought him a laptop. He pays for all his other expenses (car insurance, cell phone, going out, etc). I I don’t see anything wrong with helping family out in certain situations. Your family has never given you money? My brother is a good kid who also has good work ethic. He’s making good grades and has a part time job. He also responsibly spends what little money he does make. I enjoy helping my brother out but I’d be lying if I… Read more »
dee
dee
3 years 10 months ago

I’m with anonymous coward…I put myself through college with grants and by working 2-3 jobs. It wasn’t easy and it took me 5 years, but I got the degree and graduated with no debt. Let little bro fend for himself and you start saving for your rainy day.

JB
JB
3 years 10 months ago
I had a friend in college who came from a really wealthy family with parents who threw money at their (11!) kids. Her dad sent her $2k/month during college (which in a cheap college town can go pretty far, especially at a stone-cold sober school where no one is blowing money on drunken parties), yet halfway through the month she would inevitably be begging friends to spot her for food because she’d spent it all on clothes. (I know, fitting every bad spoiled-girl stereotype.) She’s married now, and her dad offered to cover the down payment for a house while… Read more »
Corey
3 years 10 months ago
I have a friend who paid for all of his costs while in graduate school on student loans. Not just tuition, but rent as well, even though he and his wife were both working. This is in addition to the 60k in loans from undergraduate. Now that he has over 100k in student loans, he and his wife just bought new(er) cars. The first car was a necessity. The second car was a stupid decision as he lives half a mile from work. To make matters worse, he is stuck in a job that he absolutely hates because he has… Read more »
Sweta
Sweta
3 years 10 months ago

I was at a friend’s house who admitted that he’s having trouble making his car payments so he’s getting a cheaper car. His mom also said that she wanted to get a new car but couldn’t afford it. So he actually said to her, “I’m sure you can afford it, it would only be about $300/mo.” WTF! I get so annoyed when people only focus on the monthly payments and don’t factor in interest/extra costs.

Larry
3 years 10 months ago
Hi Ramit, Long time reader, Earn1k & DreamJob user. I wish I could make this funny, but the person who has made the worst financial decisions that I know is my father. It really pains me to say that, but it is true. It isn’t that he made generally terrible decisions, but that really bad decision in one area (investing) can overwhelm all of the other good decisions that you make. To be clear: he was a hard worker and saver all of his life. He was (he is still alive) a Korean immigrant who came to the US in… Read more »
Hungry Hippo
Hungry Hippo
3 years 10 months ago

A sad story, but you cracked me up at the end. Good perspective on the fact that they will still live better than most people in the world.

some guy
some guy
3 years 10 months ago
I know a person who goes on trips around the world in the name of her boyfriend’s work. As far as I know she’s making about $50/mo on a “job” consisting of doing all the busywork for her boyfriend’s failing self-employed job. Oh right, I almost forgot to mention: his job has NEVER MADE MONEY. Literally never. It loses money every month. They won’t give up the job because they’re “following their passion” and in fact have already dried up their retirement accounts with a good (or perhaps terrible) 30 or more years left in them. Meanwhile, her room mate… Read more »
Alicia
Alicia
3 years 10 months ago
My mother and brother are probably the worst people I know when it comes to managing their money. My mother is retired from the post office and takes home a decent amount every month (she actually takes home as much as I do working full time). My step-dad passed away about 4 years ago and left her 50K from his life insurance. Instead of paying off her second mortgage (which they had just taken out to remodel their house), she bought a big screen TV, all new furniture and built a work shop in her back yard. Now, shes in… Read more »
H
H
3 years 10 months ago
My best friend makes twice as much as I do (grad students: social vs. hard sciences) so I know it is perfectly possible to have a decent life on our paychecks. BUT she never has any money and has, in the past, asked to borrow money. When she complains about it I have suggested finding out where her money goes by using something like Mint so she can prioritize. Prioritizing might be good because she does have the very best kitchenware (2 of everything) yet eats out for 2-3 meals a day. But even though it is all set up… Read more »
Brent Hale
3 years 10 months ago
Friends making bad financial decisions! Pffttt… hah! How can I bring my friends up when I have made my own King’s share of poor decisions involving my money? I used to work a minimum wage job that was based solely on tips. Some nights I’d make over $100+. Instead of saving that cash, I went out to the bars with my buddies and blew it all. To me it was just cash, and I knew I’d just get more the next night… Unfortunately, that kind of lifestyle breeds a certain attitude. And that certain attitude will eventually get you fired.… Read more »
Choosing anonymity ...
Choosing anonymity ...
3 years 10 months ago
I have a friend I’ll call Jim. Jim owes over $100k in loans for his undergraduate and graduate degrees. He graduated 4 years ago with an MA in teaching and has yet to find a job in his preferred field, so he’s still working a low-paying IT job he hates. He recently sent out a message to a group of us on Facebook reiterating all this and saying, you know, given that he owes six figures in student loans, is 45 years old, has NO retirement savings to speak of … now is a really good time to buy a… Read more »
Pauline
3 years 10 months ago

A friend who is otherwise extremely frugal (not flushing the toilet and melting candles to make new candles frugal) pawned her engagement ring to put the money on a 3% savings account “if times get hard”, which they never did because she is so frugal. The ring is long lost.

Brie B.
Brie B.
3 years 10 months ago

That’s just sad. Not that I’m even remotely qualified to diagnose anything, even if I did know this woman, but I feel like that’s verging on OCD or some other anxiety disorder.

Nancy
3 years 10 months ago
I have a friend who is an absolute disaster. She’s in her 50s, has earned millions of dollars in her lifetime (my guess), yet has nothing to show for it but a closet of designer black widow dresses from Prada and Dolce & Gabbana and more shoes than she has space for in her tiny yet lavish NYC studio. She’s been laid off from every job she’s had in the last decade. While she’s gotten severances each time you would think that she would have the forethought to actually try to save some of it so that she can use… Read more »
C
C
3 years 10 months ago

Hi Nancy,

Humans seem to have a habit of judging other people’s priorities without looking at ourselves, such as your friend freaking over your international travel without stopping to ask herself why she’s broke and where her money is really going. Your friend’s behavior sounds really negative so I’m glad you’ve decided to keep your distance, as sad as it can be to lose a friend.

Best,
C

Mike
Mike
3 years 10 months ago
I was actually that person until just a few years ago when I married and became a father. I spent my entire 20’s blowing a decent income 40-50k+ on crap I didn’t need and avoiding credit card and student loan payments. I bought expensive cars that had monthly payments that ranged from 500 to over $1100 a month. Since my car took over half my monthly income I would defer my student loan payments and let the interest stack on those instead of just paying it off. I straight simply ignored my maxed out credit cards and my credit rating… Read more »
RP
RP
3 years 10 months ago
Sadly, it’s my parents. My father was a pastor who left church after church over the years after conflict with parishioners. He also did not pay into social security since it is not required for ministers. No pension. No savings. Only a small IRA, most of which was cashed out for a down payment on a house that is too big and a yard that they can’t take care of. Quit the last church 7 yrs ago-too much stress. Now in their 60’s and not great health and of course can’t find a job. My wife got them a nice,… Read more »
Oops--might be me!
Oops--might be me!
3 years 10 months ago

I had a heart attack at 34. Before that, I was religious about saving 1/3 of all take-home pay towards retirement, emergency funds, etc. I also donated at least 10% annually to worthy causes. After the heart attack, I figured I wouldn’t live long, so maybe I should loosen up and live a bit. 22 years and 2 more heart attacks later, I realized that maybe I should return to my boring old financial habits. It’s taken a while, but I’m almost there now. Hard to beat that for being foolish!

H
H
3 years 10 months ago
When it’s my parents, I can’t really call it schadenfreude. But I appreciate being given a forum to vent my resentment. Both my sister and I are in our 30s and financially stable despite the example set for us. Dad is a dreamer, scatterbrained, and doesn’t follow through on things; Mom has worked for the same company for 35+ years but likes to hide her head in the sand and defers to Dad to make decisions. Neither of them can take constructive feedback without getting defensive. They’re perennially broke and frequently need bailing out, formerly by grandma, now by my… Read more »
Don't Box Me In
3 years 10 months ago
Myself. I don’t make the worst decisions but I spend like I’ve got the money. I think like I’ve got the money but my downfall is that I don’t have the money. I don’t get in debt but I just never get around to saving. For a WHOLE month I’ve been not spending on stuff I don’t need and I’ve managed to actually save. I’ve not brought the cappuccinos. I’ve not downloaded the books I WANT! I don’t need them. I’ve cut out everything. But to achieve this I’ve had to look at myself. I suffer anxiety quite badly and… Read more »
Sal Jumat
3 years 10 months ago

I guess it boils down to decisions based on emotions and self control.

Family Guy
Family Guy
3 years 10 months ago
My friend is a lawyer MBA and drives a BMW 6 series, goes to Las Vegas every month to see expensive shows and concerts, and treats everyone when they go out. He gets asked to go out with lots of “friends” since they know he will always pay, even when there are 4 or five “friend of friends” there. We’re talking Ruth’s Chris kind of food. He just got over $100000 in just one case, but there is no money left. Car repair was $15000. Zero! retirement savings at age 50. He always says he makes more money on the… Read more »
RJ
RJ
3 years 10 months ago
Let me tell you a story that inspired me to shape up my financial situation which let me to find your website Ramit. I have a friend in her mid twenties, let’s call her A, who grew up in a cultural background where her parents considered any money earned by a family member as “family money”. I was shocked when I first met her in college that though she had four credit cards and bank accounts, she had not the slightest clue how much was in it much less what her bank account number was as her mom dealt all… Read more »
Aimee
Aimee
3 years 10 months ago

I love the reference to “living for now” – my ex uses that as an excuse for having zero retirement savings. More than an excuse, he wears it as a badge of honor. That attitude is part of the reason he’s my ex.

DK
DK
3 years 10 months ago
I immediately thought of my former friend we’ll name J. J is an emotional trainwreck, and her spending shows it – $1,000 shoes because she’s upset a guy didn’t call her when he said he would, another $2,000 for designer clothing when her rebound hookup buddy says he’s met someone so no, he can’t meet her tonight, $80 for dinner, another $60 on drinks, and then the same week, she needs to get a new car because she totaled it while en route to the first guy’s restaurant. Except she crashed it into the side of a building as opposed… Read more »
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Cherleen @ My Personal Finance Journey

I would say “I used to be one of them.” I would max out my credit card, pay the monthly minimum every pay day, take loans and pay of the credit card, and max out the credit card again. It was a vicious cycle until we couldn’t handle the payments anymore! Then, it was time for us to look for side businesses and other avenues for more income.

Mai G
Mai G
3 years 10 months ago
My oldest sister who is in her mid 40s is a financial train wreck. Add to the mix of perennially borrowing and not paying back money to her family, relatives , and friends. My family moved from a 3rd world country to eventually reside in the USA. Me being the only one to be born here you would expect the baby to be the spoiled one who jumps from job to job and spends her money on clothes and purses. Oh no it is her who spends her money on materialistic things she can’t afford yet does not provide enough… Read more »
Sunil @ Successful CPA Career
3 years 10 months ago

lol my wife. always seems to be very penny wise but sterling pound fooooolish. big ticket vs small ticket….hmmm. big wins or petty over pennies…..on my god!

Mark
Mark
3 years 10 months ago
My sister has no savings or retirement account, and plans to depend 100% on her husband’s pension upon retirement, which they unfortunately found out has been underfunded for years (a lawsuit and federal penalties are pending). Yet she still spends every dime she makes. She typically buys a used car every two years, she and her kids are always very well dressed, and she redecorates the common areas of her home every 4-5 years because she gets “bored.” Her husband works construction and typically collects unemployment in the winter, and so she takes out a signature loan each year for… Read more »
Daniel
Daniel
3 years 10 months ago
Of the ten people I worked with in my first job out of college, that story you posted says about six of them. My first job out of college was in New York City. Lots of college grads were living with their parents in surrounding supports. They had bought classy cars where they had payments on insurance was near half their salary. I on the other hand was living in the kind of place you’d expect a college grad who lives in New York City to be living (but did a pretty job at automating my finances I must say).… Read more »
someone
someone
3 years 10 months ago

my SIL won the lottery. 1 million, which in Canada is not subject to taxes. Except for whatever they set aside for their three children’s futures (no idea how much), it was gone within a year and they actually have more debt than before.

Charlene
Charlene
3 years 10 months ago

Both my parents have terrible financial management skills. They’ve both seen great fortunes come and go in their lives and are now semi-retired but still live paycheck to paycheck. Very worrying.

Carolyn
Carolyn
3 years 10 months ago

Anyone think they consistently make the worst financial decisions? Stop chastising everyone else….

AT
AT
3 years 10 months ago
Reading all of these stories has made me feel immensely better, I must say. I’ve spent my young adulthood (I’m 26 now) watching the downward financial spiral of my own parents. To this day, I’m not really sure how they let it happen. It truly boggles my mind. My dad had a salary of 100k for many many years, received a large inheritance (roughly 98k). Additionally, he worked in the academic field and qualified for tuition exchange which would pay for at least 50% of college tuition for me and my 2 sisters. My mom has also held a decent… Read more »
M
M
3 years 10 months ago
My friend got divorced about 5 years ago. She stayed in the house and he moved out. She put the house on the market for a while, but it didn’t sell. Then her ex-husband was going to take it, and a friend was going to live upstairs and pay him rent. That didn’t happen either. A short while later, she decided to let the house go into foreclosure. I don’t know her finances intimately, but to me, it looked like a passive-aggressive move against her ex-husband. A bit after that, they both declared bankruptcy. I can’t speak to that necessity… Read more »
David
David
3 years 10 months ago
When I was in college one of my roommates (and a best friend to this day) was horrid when it came to money. Midnight runs to Taco Bell were the norm, and so was borrowing money, food, clothes, and whatever else he couldn’t afford. The instance that sums up his indiscretion best is when we came back from Thanksgiving break and he literally tells our other roommate not to tell me that he bought a brand new PS3 (still around $600 at the time) because he knew that I would call him out on being an idiot. Best part was… Read more »
K
K
3 years 10 months ago
My ex husband got conned by one of his coworkers into financing his new in-ground pool. Seriously. He talked my husband into taking out a 10k personal loan and giving it to him for a pool (because he had a bankruptcy and no credit, and had a bunch of kids and it was hot outside. lol) Of course he promised to pay my husband back – but of course it never happened. I didn’t find out about the debt until after the pool was in. There are other bigger reasons that we are divorced, of course. But boy, that one… Read more »
Gretchen
Gretchen
3 years 10 months ago
Alright I’ve got one. This woman, I’ll call her Taffy because she was daffy. She earned at decent rate, but she was always broke. She would shop in thrift stores and sale racks and discount stores and come out with armloads of awful junk that she would give away to everyone she knew. Then the last week of every month she would panic and try to borrow from those same people to try to pay her rent. Several times she borrowed from me to keep her cel phone turned on! Being a consultant on call, without a cel phone she… Read more »
Many stories
Many stories
3 years 10 months ago
Well, 2 people: 1) an older ex-friend who’s 70 and who has consistently made the worst financial choices. He is now broke and lives with his 96-year old mother as her caretaker – even asked her for a stipend! After declaring bankruptcy and having all possessions seized about 20 yrs ago, he set up a small business, got investors and set up shop (clothing). He is so bad with cash that he rented a massive, luxury apt w/sauna, purchased imported Evian water which he used to make spaghetti, water for tea/coffee, and blew not only any profits, but also all… Read more »
A
A
3 years 10 months ago
My parents. Ever since I was a little girl they have gone out 3 or 4 nights a week, gone to the casino, bingo, played “quick draw”, you name it. They also smoke a pack of cigarettes each per day and drink pretty regularly. The funny thing is that my dad made decent money when he owned his own landscaping business but have no savings to show for it. He finally opened a 401k a couple years ago. He’s 61. My mom was a nurse, but in her mind we are poor. She’s loves going garage sale shopping for crap… Read more »
DJ
DJ
3 years 10 months ago
A male friend in his 50s had a great job in the 80’s, traveled the world, filled up his 401k. Then got interested in day trading; lost his butt. Then decided he needed to work for start-ups; they went belly up, or just didn’t pan out. The 401k savings dwindled from investing in start-ups. The wife of 15 years, who charged whatever she wanted from Neimans left him – with $20k of credit card bad debt. Wife number 2 didn’t work out, but he kept the 4 dogs. Another great biz investment opportunity rolled around about 3 years ago. He… Read more »
SD
SD
3 years 10 months ago
I’m the person who consistently makes the worst financial decisions. I’m an Ivy League graduate who had $200k in student loan debt and $20k in credit card debt upon graduating from law school in 2004. But that was no problem, because I was able to get a high-paying job at a white-shoe law firm in New York City. I was making $150k per year — with a $20k increase each year — at 25 years old. I paid off the cards, but made only the minimum payments on my loans every month. With all that disposable income, I lived in… Read more »
Anon
Anon
3 years 10 months ago
My parents made several millions of dollars from the sale of my dads business. This happened in about 2001, by 2006 all the money was gone. My dad had blown the money on everything from vacation houses, to exotic sports cars, and bought material items in the hundreds of thousands of dollars. Instead of saving a dime or even investing in their future my parents have 0$. They have about a million dollars of debt and this debt has lead to my parents getting divorced. I have learned a lot from this childish behavior and save between 30 – 50%… Read more »
André
André
3 years 10 months ago

I invested in a Variable Universal Life insurance policy when I was 16…I kept paying $100/month into it for about 8 1/2 years and when I had finally started paying attention to how much money I was losing, I cashed out and got around $1,600…Wow…what a waste…

Jay
Jay
3 years 10 months ago

Train-wreck friends and family have taught me some lessons that stick:
1) Nobody can help you, until you help yourself. (but try we will)
2) Never Lend, never Borrow.
3) Never Gamble; only Invest.

Applying the moral of their lessons is the hard bit…

Joel
Joel
3 years 10 months ago
I’ve got my own gambling story… FOREX. In 2008 I took out a $25K loan at 3%, and did a few smart things with it. Paid off $3000 in credit cards, $9k in student loans and $3k on a car note (All of these loans were higher % rates). I had $10k left over, which I put into a FOREX account. I then proceeded to do extremely well, turning it into $25k in THREE WEEKS! I kept telling myself that I should stop and pay that loan off now, but I kept thinking, “I could turn it into $100k really… Read more »
Cat
Cat
3 years 10 months ago
Unfortunately, I have another story to share after a chance encounter last week. It’s pretty sad. When I was a kid, my family had a friend who acted as my surrogate aunt. Real nice lady who was heavily involved in our lives and who, for all intents and purposes, was part and parcel of our family. Karen began her own business ten years ago and it hasn’t made any money. In fact, as of 5 years ago, she’d already spent tens of thousands of dollars “setting up” her business. (Tens of thousands, *at least*. I don’t know exact figures, but… Read more »
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ambreen
8 months 17 days ago

please help me I need urgent financial support plz help me immediately to save my respect my baby is in ventilator few months before I can borrow someone money I return back and someone take me fraud I have 2 kids help me plz I live in Karachi Pakistan I face more struggles
I need ,200000 $ dollars +9203402109583 please help me immediately
please contact me on my phone or email how i can face my problems he is not good person he play game 20 members life please help me
my email is ambreen.naveed21@gmail.com

Stacey Wathan
Stacey Wathan
8 months 5 days ago

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8 months 3 days ago

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G~
7 months 2 days ago

When I was married to my first wife, we both worked but we were always broke. It was very bad. We split up and I remarried a few years later. With my new wife we have had nothing but solid finances. Yes, we had some tough times but we’ve always come through. I read Robert Ringer’s book,” Looking Out For #1″ which prompted me to make a change.

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6 months 11 days ago

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5 months 2 days ago

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Anonymous
5 months 1 day ago

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Anonymous
5 months 12 minutes ago

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4 months 28 days ago

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4 months 28 days ago

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