How to Stay Broke Forever:A step-by-step guide for sabotaging your financial future (without even realizing it).

1.Scroll social media for hours every day.

Compare your behind-the-scenes to everyone else’s highlight reel.

Then wonder why your bank account never seems to change.

2. Finance everything.

Phone. Couch. Tires. That $1,400 mattress you convinced yourself was an “investment in better sleep.”

If it comes with 0% APR, it must be a good decision, right?

3. Confuse income with wealth.

Make $250K a year, but spend $260K.

Lease a BMW. Upgrade your house. Just don’t ask where your money went.

4. Use credit cards for airline points...

but never pay them off. Your debt is growing. But hey, you got a free flight to Miami.

5. Wait to invest until “things calm down.”

Markets are too risky. So is life.

But you’ll learn that too late.

6. Treat budgeting like punishment.

Tell yourself, “I make good money, I don’t need a budget.”

But somehow you’re still living paycheck to paycheck.

7. Believe real estate or crypto will save you.

Buy in because everyone else is doing it. Skip the research.

And never ask what your exit plan is.

8. Avoid hard conversations.

Don’t talk to your spouse about money.

Don’t look at your bank account.

Don’t ask where the $6,000 went last month.

Ignorance feels better. Until it doesn’t.

9. Never build real skills.

Rely on that degree you got 15 years ago.

Ignore the fact the world has changed. So has the job market.

10. Stay in your comfort zone.

Say no to mentorship. Say no to coaching.

Say no to anything that might require you to grow. And then blame the system.

Blame taxes.

Blame the economy.

But never look in the mirror.

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I know this thread is blunt.

But sometimes blunt is what we need.