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.