I’ll go first…after 10 years of speculating in the market (read: gambling in high risk assets) I realized I shouldn’t ever touch a brokerage account in my lifetime. A monkey would have made better choices than I did. Greed has altered the course of life many times over. I am at an age where I may recover from my actions over the decades, but it has taken its toll. I am frugal and have a good head on me, but having such impulsivity in financial instruments was not how I envisioned my adulthood. Its a bitter pill to swallow, since money is livelihood of my family, but I need to “invest” all I have into relationships, meaningful moments, and fulfilling hobbies.
For me, it was “saying no doesn’t make me a bad person.” I was raised around extremely Christian people who emphasized that you should be there for everyone, even at the expense of self.
The problem is, people eventually take advantage of you. Also, when you finally say “no” to them, they act as though you’re a terrible person.
I had this recently. My parents wanted me to make a full hour round trip drive across town to pick them up in the middle of the night so they could save $50 on a taxi. I said, “No,” as I have kids to look after now, and my mom launched into how I’m not family first anymore and after all the things she did for me as a kid, she can’t depend on me to pick her up.
I stuck to my guns though. They conned my brother with the same story, but I set a boundary.
I’ve experience this first hand, and watched it from the other side. My mother is extremely “Christian”, and that’s one of her phrases there. To her, people helping her became an expectation, not an act of kindness. She was a single mom, and so people around town would help her out. Like our local appliance guy, he’d give her a deal on a new dishwasher - and then she would push her luck and ask him to install it. And then start calling him directly when the slightest thing might be wrong with it. And then for other appliances. And then for random handiman stuff. She of course never repaid him for everything he did.
Because he’s a Christian, and so was she. So of course he was “happy” to do it for her. A few people eventually did tell her no, and she would immediately convince herself that they were bad people and that she “had to cut them out of her life” because of the negativity.