Skip to content
Do you have adblock enabled?
 
If you can read this, either the style sheet didn't load or you have an older browser that doesn't support style sheets. Try clearing your browser cache and refreshing the page.

(Clark Howard)   16 things that are a total waste of money or I'm 75 years old and never did anything fun in my life   (clark.com) divider line
    More: Stupid, Money, have trucks, 75-year-old, large number, Larger houses, cost of the school, tax-free Roth IRA, funny thing  
•       •       •

7013 clicks; posted to Main » on 05 Oct 2022 at 3:30 AM (7 weeks ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook



171 Comments     (+0 »)
View Voting Results: Smartest and Funniest


Oldest | « | 1 | 2 | 3 | 4 | » | Newest | Show all

 
2022-10-05 3:43:55 AM  
That's why I just sit in a room with my hands folded in my free time.
 
2022-10-05 3:44:29 AM  
What do you say to the man with the JC Penny suit and $20 haircut?

"The defendant may rise"
 
2022-10-05 3:47:07 AM  
Team Clark is adamant that we will never write content influenced by or paid for by an advertiser. To support our work, we do make money from some links to companies and deals on our site. Learn more about our guarantee here.
 
2022-10-05 3:47:28 AM  

Diocletian's Last Cabbage: Team Clark is adamant that we will never write content influenced by or paid for by an advertiser. To support our work, we do make money from some links to companies and deals on our site. Learn more about our guarantee here.


Stopped reading there..
 
Azz
2022-10-05 3:48:15 AM  
and withholding too much from our paycheck so we're essentially making an interest-free loan to the IRS.

I always thought this was a stupid reason not to withhold a bit more than necessary. I love getting a refund come tax time. It's a form of saving. I couldn't care less what the IRS would do with that money, nor am I losing any sleep over it. I'm sure there are some Ayn Rand/Rand Paul masturbators who mistakenly think they are sticking it to the man by withholding the exact amount needed to cover their tax obligation. I'm also sure most of them invest that would-be refund in crypto and then dick around all day on Wallstreetbets while watching that stigginit evaporate
 
2022-10-05 3:48:29 AM  
Your kids will survive if they never visit the Magic Kingdom.

To be honest, I'm sure me and my cousins would have had just as much fun together if we had gone to Busch Gardens instead of Disney World.

Current prices:

Busch Gardens: $89.99 ("Hurry, Before Prices Go Up October 10")
Disney World: $109.00

It may not seem like much, but we made sort of a family reunion out of it so there were a lot of tickets to buy.  We probably would have had just as much fun at the zoo too.  We might have even seen a real mouse, but I guess we would have missed the fireworks.
 
2022-10-05 3:49:44 AM  
What a boring old withered chunk of foreskin for a writer.

I close my eyes and imagine all the times they raged at their children for daring to put black socks into the white socks drawer.
 
2022-10-05 3:50:22 AM  
In his defense, he finds all of that fun. His kids don't, but he does.
 
2022-10-05 3:51:34 AM  
Writer sounds like the kind of person who never retires, because if they did their life would be so empty they'd end up committing suicide.
 
2022-10-05 3:54:21 AM  
So life is pointless. Got it.
 
2022-10-05 3:57:28 AM  

Tyrone Slothrop: Writer sounds like the kind of person who never retires, because if they did their life would be so empty they'd end up committing suicide.


But just think of all the money his kids save by never visiting!
 
2022-10-05 3:57:31 AM  
All I read as blah blah blah blah be boring as me BLAH.
 
2022-10-05 3:59:04 AM  
F*ck that shiat, I work so I can have nice things. If I wanted to wear rags and eat ramen so I could retire "someday" with lots of money I'd have to spend on staying alive, I'd hate myself every second.

I'm going to buy shoes, eat out, and when the time comes, well, I've got a plan for that too.
 
2022-10-05 4:02:13 AM  
Most of this is just common sense. Don't waste money on lottery tickets, don't get into credit card debt, save for retirement. Spend wisely. Have a financial cussion in case of emergencies

He's wrong on a couple of things. You need an education, whether it's college or plumbing school. Education is investing in yourself.

I agree that your kids don't need Disney, f*ck the Mouse, Disney properties are obscenely overpriced for what you get. Travel is still important. You can watch videos of the Sistine Chapel or the Great Wall of China online, but nothing beats seeing them with your own eyes. To quote Mark Twain, "Travel is fatal to prejudice, bigotry, and narrow-mindedness, and many of our people need it sorely on these accounts."

He omitted another way to invest in yourself: exercise. Too many people don't move enough, and they pay for it with diabetes and heart problems later in life.  You don't need to join a gym; buy a bench and some weights or just do bodyweight workouts.
 
2022-10-05 4:03:00 AM  
"after 30 years you'll have more than $121,000, assuming a 0.5% monthly return."

A more useful tip might've been where the hell he's getting a better than 6% annual yield from

Or is this just another sign that he's living in the past or this article was written in 2007?
 
2022-10-05 4:18:13 AM  
If something as pedestrian as getting a few coffees at Starbucks is a "luxury" that makes a material difference in middle class incomes, maybe there is something wrong. This person sounds not only terminally boring, but also too dense to see the big picture.
 
2022-10-05 4:21:53 AM  
He has it completely backwards.

You want to SPEND all the money you make in your lifetime.   Anything beats taking a savings account to the grave.

In the ideal financial plan the check to the undertaker bounces.
 
2022-10-05 4:23:52 AM  
Are megayachts on the list?
 
2022-10-05 4:25:30 AM  
#5 Opportunities lost.

Done. I just saved you money you could have been making instead of reading that.

/Also, Vacations(2)/College(3)/Restaurants(4)/Holidays(14)/Toys(15)...so, fark your kids.  Guessing this guy won't be giving his grandkids anything so they can "build character".
 
2022-10-05 4:35:45 AM  
Hookers and blow conspicuously missing from list. Must be legit.
 
2022-10-05 4:38:00 AM  
Is his name Solomon?
 
2022-10-05 4:44:14 AM  
This is slave propaganda.  jfc
 
2022-10-05 4:46:59 AM  
What a stupid list. It doesn't include vehicles (If you live somewhere with decent public transportation) and cell phones. Two things that I've never had nor needed in my 50 years alive so far.
 
2022-10-05 4:47:15 AM  
2) Vacations

Stopped reading there. What a stupid farking thing to say.
 
2022-10-05 4:48:22 AM  
Burn_The_Plows:

A lot of jobs specifically require you to own a smartphone these days.
 
2022-10-05 4:49:04 AM  
After counting the number of points I agree with this guy on, I guess I'm most of the way to 75.

Come to think of it, I'm most of the way to 75.
 
2022-10-05 4:50:02 AM  
He's probably a smoker or chew's tobacco since those aren't listed.

I also think they should rename some of those , I'm on vacation RFN and I'm not going anywhere so I'm not "wasting" any money.
I do need transportation but can't/won't spend $40k or however much on a new vehicle.

/RFN = right farkin' now
 
2022-10-05 4:56:12 AM  

Burn_The_Plows: What a stupid list. It doesn't include vehicles (If you live somewhere with decent public transportation) and cell phones. Two things that I've never had nor needed in my 50 years alive so far.


"Transportation" was number 6. And if you've never found a use for a smartphone then I assume you also use an abacus and a slide rule, and so probably shouldn't be offering advice on technology.
 
2022-10-05 5:00:09 AM  

leeksfromchichis: Burn_The_Plows:

A lot of jobs specifically require you to own a smartphone these days.


Then the employer can shell out for the $500 phone and $15 / month.

As someone who works for one of the largest tech companies in the world, and is currently contracted to a company that almost everyone on Fark interacts with daily, I've never needed one. I get my MFA call through my $30/year VoIP and just need to enter my PIN and I'm connected to the VPN.
 
2022-10-05 5:02:14 AM  
9. Clothing.My new condo has two bedrooms and three walk-in closets, two of them larger than the bathroom in my old 1929 house. The average adult spends $161 a month on clothing. We are obsessed with keeping up with the latest fashions and ensuring nobody sees us in the same clothes twice.

The 100% absolute fark I don't.
 
2022-10-05 5:10:44 AM  
Clothing, shoes and haircuts? Are we sure this guy isn't just homeless?
 
2022-10-05 5:11:33 AM  

Diocletian's Last Cabbage: Team Clark is adamant that we will never write content influenced by or paid for by an advertiser. To support our work, we do make money from some links to companies and deals on our site. Learn more about our guarantee here.


Sounds like a total waste of money.
 
2022-10-05 5:12:52 AM  

Burn_The_Plows: leeksfromchichis: Burn_The_Plows:

A lot of jobs specifically require you to own a smartphone these days.

Then the employer can shell out for the $500 phone and $15 / month.

As someone who works for one of the largest tech companies in the world, and is currently contracted to a company that almost everyone on Fark interacts with daily, I've never needed one. I get my MFA call through my $30/year VoIP and just need to enter my PIN and I'm connected to the VPN.


You work for PornHub?!
 
2022-10-05 5:13:41 AM  
If you die at birth and give your parents the opportunity to invest the money they would have spent on your upbringing you will probably earn more than you would from living out your life.
 
2022-10-05 5:19:11 AM  
Some lists provide smart advice; some lists remind you who doesn't belong at your dinner table.
 
2022-10-05 5:19:16 AM  

deffuse: Burn_The_Plows: leeksfromchichis: Burn_The_Plows:

A lot of jobs specifically require you to own a smartphone these days.

Then the employer can shell out for the $500 phone and $15 / month.

As someone who works for one of the largest tech companies in the world, and is currently contracted to a company that almost everyone on Fark interacts with daily, I've never needed one. I get my MFA call through my $30/year VoIP and just need to enter my PIN and I'm connected to the VPN.

You work for PornHub?!


Fark user imageView Full Size
 
2022-10-05 5:19:59 AM  

Burn_The_Plows: What a stupid list. It doesn't include vehicles (If you live somewhere with decent public transportation) and cell phones. Two things that I've never had nor needed in my 50 years alive so far.


One of Fark's strangest humblebrags
 
2022-10-05 5:22:47 AM  
The article isn't exactly *wrong* about most of these things.
 
2022-10-05 5:23:59 AM  
You will never regret spending money on experiences instead of things.

You can always get things.  The opportunity for an experience, at you current state in life with your current friends, marriage status, health, and world, happens only once.

Do the big stuff early.  You won't regret it.
 
2022-10-05 5:24:10 AM  
Shoes? WTF! Yeah the author did mention 25 pairs of shoes but I am sure normal people do need more than 1 pair. After all you aren't going to do yard work in wingtips. I think I have 4 pairs. my nice pair for weddings, funerals, and court, my work shoes, my yardwork shoes and my daily walking around shoes.
 
2022-10-05 5:25:28 AM  

deffuse: 9. Clothing.My new condo has two bedrooms and three walk-in closets, two of them larger than the bathroom in my old 1929 house. The average adult spends $161 a month on clothing. We are obsessed with keeping up with the latest fashions and ensuring nobody sees us in the same clothes twice.

The 100% absolute fark I don't.


I don't even spend $161 on clothes every year.  I do like to buy several of the same shirt if I find one I really like.  I bought 3 thick long sleeve shirts that I only wear in winter.  Only one of them doesn't have holes in the elbows now but good luck finding the same shirt now - for whatever I paid for it. They're at least 15 years old. I wish I had bought 4.

If I put a jacket on, no one can tell that there are holes in the elbows of the other 2 though.
 
2022-10-05 5:27:46 AM  

Tyrone Slothrop: Writer sounds like the kind of person who never retires, because if they did their life would be so empty they'd end up committing suicide.


Unless they have a spouse to torment. As me how I know.
 
2022-10-05 5:28:08 AM  
All this leads me to one conclusion: We're unable to control our spending or manage our money. Here are 16 things that this 75-year-old considers big money wasters:

Fark user imageView Full Size
 
2022-10-05 5:29:32 AM  

I Swear I'll Jump: Tyrone Slothrop: Writer sounds like the kind of person who never retires, because if they did their life would be so empty they'd end up committing suicide.

Unless they have a spouse to torment. Ask me how I know.

 
2022-10-05 5:29:47 AM  
One study shows that U.S. parents spend $6,500 on toys during a child's upbringing.

$6500 over 18 years is like $360 per year. Seems pretty reasonable to me.

The spending is even higher for millennials, who favor "smart" toys-toys that do the thinking for the child.

That's complete bullshiat. Smart toys are more engaging for kids and considerably more educational than standard toys.
 
2022-10-05 5:36:39 AM  

BorgiaGinz: Most of this is just common sense. Don't waste money on lottery tickets, don't get into credit card debt, save for retirement. Spend wisely. Have a financial cussion in case of emergencies

He's wrong on a couple of things. You need an education, whether it's college or plumbing school. Education is investing in yourself.

I agree that your kids don't need Disney, f*ck the Mouse, Disney properties are obscenely overpriced for what you get. Travel is still important. You can watch videos of the Sistine Chapel or the Great Wall of China online, but nothing beats seeing them with your own eyes. To quote Mark Twain, "Travel is fatal to prejudice, bigotry, and narrow-mindedness, and many of our people need it sorely on these accounts."

He omitted another way to invest in yourself: exercise. Too many people don't move enough, and they pay for it with diabetes and heart problems later in life.  You don't need to join a gym; buy a bench and some weights or just do bodyweight workouts.


Just walk for 30 minutes a day.
 
2022-10-05 5:37:14 AM  
I'm not into tattoos, but if you're going to get one, I would highly advise against shopping around for the cheapest one to save money.
 
2022-10-05 5:37:30 AM  

groppet: Shoes? WTF! Yeah the author did mention 25 pairs of shoes but I am sure normal people do need more than 1 pair. After all you aren't going to do yard work in wingtips. I think I have 4 pairs. my nice pair for weddings, funerals, and court, my work shoes, my yardwork shoes and my daily walking around shoes.


I have several pairs of sneakers. My newest pair is for when I am getting dressed up.  Once they get too old for that, then they're my everyday shoes. When they're too worn for everyday shoes, they turn into yardwork shoes. When they too gross for even yardwork they become 'picking up the dog poop shoes'.  And they'll get tossed if I step in the poop and don't feel like trying to clean them.
Then I get a new pair and they all move one step down the ladder.

And yes, I really do wear sneakers for getting dressed up. Comfort uber alles.
 
2022-10-05 5:39:31 AM  

Burn_The_Plows: What a stupid list. It doesn't include vehicles (If you live somewhere with decent public transportation) and cell phones. Two things that I've never had nor needed in my 50 years alive so far.


You don't use 2FA and your bank account is vulnerable, excellent!

\pardon me, I'm off to do some "work"
 
2022-10-05 5:57:43 AM  
This old thinks trucks cost $40k. Completely out of touch.
 
Displayed 50 of 171 comments


Oldest | « | 1 | 2 | 3 | 4 | » | Newest | Show all


View Voting Results: Smartest and Funniest

This thread is closed to new comments.

Continue Farking




On Twitter


  1. Links are submitted by members of the Fark community.

  2. When community members submit a link, they also write a custom headline for the story.

  3. Other Farkers comment on the links. This is the number of comments. Click here to read them.

  4. Click here to submit a link.