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[quote=Anonymous][quote=Anonymous]My boss tells me everything...

Like how she and  her husband haven't filed taxes in years and she didn't know until this week.

Or how her husband has never paid the mortgage on time and she didn't know until she had to buy a new car and her credit score was in the 500's.

I just don't understand how she doesn't know these things. They have separate finances but clearly, there is a communication problem.

My roommate took out a 401k loan to take her and her "boyfriend" to the Dominican Republic for 8 days to celebrate her 26 birthday. And justified it by saying it was a good deal on Groupon.

I have tons more of these stories. I am in my late twenties and a lot of people are doing dumb things around me. I just thank God I discovered Dave Ramsey and Mr. Money Mustache when I did. I tried to share my knowledge but anytime I say "You have to cut back on lifestyle" people immediately stop listening.

Recently I just got a raise but I adjusted my 401k so that I still have the same paycheck every  month. My friends were like "whats the point of getting a raise if you just going to put in retirement." I explained lifestyle creep and that I live perfectly fine on my income. I would rather save it before I see it. They looked at me like I was speaking another language.[/quote]

For your late 20s friends -- none of this will mean anything for another 5-10 yrs. I feel like people are into personal finance right away when they get their first "real" jobs, or they are NOT bc they are too busy enjoying the fruits of their labors and vacationing, buying new cars etc. For that second set, sometime at age 32-35 is when I think it first hits and it really could be anything from an HR person harping on them to contribute or a 35 yr old friend saying, I have 300k in retirement and they go -- wait WHAT, I have $0 and then start hustling.[/quote]

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