Always spend before saving.
Never invest in self-education.
Avoid financial literacy at all costs.
Credit cards are free money.
Buying items on sale is saving money, regardless of need.
Ignore your debts, and they will disappear.
Never plan or budget for your spending.
Only the wealthy can invest.
Big houses and flashy cars are a sign of success.
Don’t have an emergency fund.
Stick to low-paying jobs and avoid career progression.
Avoid discussions about money.
A rise in income should immediately increase lifestyle expenses.
Financial success is due to luck.
Keep all your money in a checking account.
Never negotiate salary or prices.
The stock market is akin to gambling.
All debt is bad debt.
Avoid new income streams (side gigs, passive income).
Rich people are evil or greedy.
It’s impossible to become wealthy from a regular job.
Financial problems are solved by winning the lottery.
Always buy new instead of used.
Living paycheck to paycheck is normal.
Education and degrees are not worth the investment.
Saving for retirement isn’t a priority.
Insurance is a waste of money.
Risk is always bad. Avoid all risks.