We’ve all been there. Our better judgement flies out the window and we make stupid financial decisions on a whim. To make matters worse, these decisions tend to haunt us for years. Looking back we always feel stupid and wish we would have made different choices, but by that time it’s usually too late.
Although we’ve all made some questionable financial calls in our lives, It’s doubtful that they are as bad some of these listed below. The following confessions of dumb financial mistakes will surprise even the worst money managers out there.
42. The New Pet
My friend kept on complaining about crippling credit card debt, wandering around the house complaining that he is too poor to even buy groceries for himself. Five minutes later, he leaves the house and comes back with pet turtle and all the necessary items to make sure the turtle will thrive.
And a week later, he bought another turtle because he noticed that his pet turtle looks ‘lonely’ and not being ‘playful’. He spent more than $150 so his pet turtle won’t be lonely anymore and to have a playmate. Oh wait, not just that, he also bought some fish so his turtles will have ‘friends’.
41. Crazy Things You Do For the ‘Nigerian Prince’
My significant other’s mother met a Nigerian man online. The woman is 46 and this guy is 24. For context, she has a bad history with men and only seems to want men who are bad for her. She travels to Nigeria, MARRIES this man without consulting anyone in the family, and now proceeds to send him money every few weeks. The icing on the cake is that she went and spent several thousand dollars on a plane ticket to Nigeria, but failed to request off work or even pay bills ahead of time.
So now she has no money, refuses to refund the ticket to pay her bills for the house and take care of her 2 high school age daughters, and will likely not have a job when she returns home as she did not request off with enough notification. All this because some Nigerian man showed her some attention. It’s so gutting to watch these poor decisions create distrust and anger throughout the family.
40. All because of the Free Pots and Pans
A friend of mine who is very bad with money and his girlfriend bought some sort of water filtration system from a door to door salesman. He has to pay something like $300/month for this filtration system. He was all stoked because it came with a free set of pots and pans.
Fast forward a year and his girlfriend has broken up with him, moved out of the house, and he’s had to sell his home because he can’t afford to live there. The water filtration system is now sitting in a storage unit where he still pays $300/month for it because he’s on a 2 or 3 year contract. We have great water quality in my area.
39. Always The Latest
God knows my aunt and uncle makes a lot of money. Uncle is a general practitioner with his own practice and works extra hours at a hospital. His wife also works and earns a reasonable salary, though nothing like her husband.
And yet they are buried in debt. They always have the latest TV, the latest car, the latest sound system, the latest gadgets, the latest everything. But they buy everything on credit, and they’ve been paying the mortgage on their house for 30+ years. They constantly complain that they can’t afford to go on vacation, can’t do all the things they want to do.
38. He Definitely Knows
Roommate was getting his first credit card. Me and a friend sat him down and stressed to him that this was not free money, and to only spend on the card when he had to, or when he could pay it back immediately. He kept nodding and saying, ‘Of course, I know.’
He gets the card, immediately goes online and buys a ‘totally legit’ diamond necklace for his girlfriend, a guitar, and a spiderman, and all other super heroes costume because he wanted to be a “Super Heroes Costume Collector”. To add some spice, they broke up after a month.
37. Samurai Dream
One of my friends got a loan for tuition in college. Paid for his classes and had about $300 left over. So he goes to the mall and buys a samurai sword from one of those knife shops. Then he buys a box of Hugs, these little juices for kids that come in small barrel shaped plastic bottles.
He proceeds to throw the Hugs into the air and cut them in half with the sword in a Kroger parking lot at 11 P.M. Note, he was unemployed at the time and spent about $260 of the $300 on this parking lot slaughter fest. Sounds fun huh?
36. Atheist? How Come?
My parents were constantly on the verge of foreclosure and could barely pay the bills or put food on the table, but every Sunday they scraped together everything they could to give tithes at the megachurch we went to.
We ended up homeless because they decided that wasting all of their money on private Christian school for my brother and me was more important than paying the mortgage. They were so terrified by the thought of us being exposed to atheists that they ended up choosing homelessness instead. All the while my mom didn’t work because that wasn’t her “place” in the household.
35. That’s Why She’s An Ex
My ex wife was complaining when we were married that I should be paying all of the bills since she couldn’t afford to chip in at all. Eventually, I sat her down and went through her personal accounts to see how, exactly, she was barely scraping by making $50k while I was paying the mortgage, utilities and grocery bill. I found out she was spending nearly $1k per month at her chiropractor. Multiple weekly visits, she got a massage there as well. She also visited their in-house “nutritionist” who was charging her a few hundred bucks a month to give her some weird diet that included things like “After dinner, you can have four grapes.”
She also had a trainer at the most expensive gym in town and refused to switch to Planet Fitness because her’s had a pool she never used. She was also hitting Starbucks multiple times a day, eating lunch out every day and buying clothes whether she needed them or not. And she was pissed because she felt I should be paying for her car loan. Why, you may ask? Because the receptionist where she worked was married to a cardiologist and he paid all of her bills. It wasn’t right for the receptionist to be living a life of luxury while she was “struggling to get by.”
34. Could’ve Earned Double
My brother in law, after their divorce with my sister wanted to sell their house. They sold it to someone that buys any house for 95K. Houses in that neighborhood go for 190K – 210K. The guy that brought the house painted the inside and put in new carpeting.
Guess what? He listed it for 195K, and sold it for 187K in less then a week. Small rancher not in bad shape. He probably put less than 1K to renovate it. And my sister and brother in law could’ve gained more if they renovated and sold it themselves.
33. Rent To Owe
My roommate is renting a PS4 from a Rent To Own shop. He’s paying $80 a month and he’s had it for about half a year. He’s put, loosely, about $450 into it. Well, he’s selling some of his video games and was deciding whether to keep it or return it.
I asked him how much is left to pay, to determine if it’s worth keeping. He still owes $450 on it after paying nearly $500 dollars for it OWES MORE THAN A PLAYSTATION COSTS TO BUY IN THE FIRST PLACE. A PS4 is like, $300 new. And the one he’s renting is used. I explained the math to him a few times and he was baffled by how much these things are costing him. I think he just looked at the monthly payments and thought he was getting a good deal.
32. Bad Scratch Re-Investment
The dollar amount isn’t going to be nearly as high as some of the other stories here, but I worked at a convenience store as a teenager. We had a few regulars that drank coffee and played dominoes. One guy, Earl, was pretty down on his luck. He had been laid off just a few years shy of retirement and was fixing lawnmowers to earn a living.
Earl used to buy a few lottery scratch-off tickets here and there but since he got laid off it was like one a day. He liked the big $5 ones. One day he comes in, buys his coffee and a scratcher, and wins $250. He is completely convinced his luck has changed so he “reinvests” the $250 in more scratchers. He won $10, which he used to buy two more tickets, both of which were losers. That $250 could have gone pretty far towards paying bills, buying groceries, etc.
31. “I’m buying all my friends cars”
So I was a teller line manager in college. One day, this 19 year old kid comes in with a check for like $350k. Obviously this is unusual so I start to chat him up to make sure he wasn’t getting scammed or something (this was when the Nigerian prince scam was just starting out). Turns out his dad had died and this was the life insurance check he got. So I’m like “Well, it’s bad that your dad died but at least he thought ahead to take care of you, let me set you up with one of our advisers and if you play your cards right you’ll be retired comfortably by 40”. Nope, he says “I’m buying all my friends cars”. And he did.
The worst part is he didn’t even buy them good cars, he was buying OK used cars (like a 7 year old Civic). He came in every couple days for like 3 months to get a couple cashiers checks for like $6500 to buy each of his friends several cars. By the end of the 3 months the money was gone. I wonder if he will ever think back and realize that he screwed up bad.
30. Gambling is Best Way to Lose Money
I know of at least one guy who lost it all at the casino. I was standing there with my girlfriend and this dude had MONSTER stacks of chips at the roulette wheel $100k to $500k worth, easy.
Five minutes after I took a piss, when I came out of the can, the guy was holding no chips, I sh*t you not. My girlfriend said he lost everything in one spin and we watched him cry his eyes out. It was sad. Guarantee that was everything he had left.
29. Grand Wedding, Not So Grand Living
Spoiled 30-year-old niece (by marriage) was given a choice by her father during her engagement: $50,000.00 for a wedding or $50,000.00 down payment on a new house. Guess which she chose? Yeah, 10 years later and the marriage is all but over.
She and her husband have been evicted multiple times from different rentals (which my brother-in-law repeatedly funds), they’re addicts with no desire to work, and cannot pay for basics like groceries, gas, clothes, etc… oh, but they do scrounge up the money for their booze and smokes! The sad part is that they have a beautiful daughter whom her parents are all but raising full-time.
28. It’s OK to Starve as long as You Look ‘Rich’
I have a friend whom I love to bits, he’s awesome, but his financial choices make me grind my teeth. Every time he gets student money, he spends it all on clothes and then complains to me that he has no money for food.
He prioritizes looking good with new clothes even if he will end up begging for food from me. He’s dubbed me the “rich friend” because I have money and a car. The truth is, I work a minimum wage job and saved up for months to buy my nail of a car.
27. Second Hands can Help you “Save Big”
Old roommate who was constantly late on rent came into some money after his grandfather passed. After taking care of his debts (smart) he had about $2,500 left and was planning on buying a used mustang he saw in a grocery store parking lot (dumb). Luckily, everyone was able to convince him that’d be a dumb idea because it’d end up costing him so much money in gas and taxes. Phew. Crisis averted.
So he bought a 30-year-old scooter instead, in New England, in the winter. I think it lasted about 6 months before it broke down. Still not sure why he didn’t at least buy a brand new one, he had the money for it, but I gave up on trying to make sense of his financial decisions.
26. Tall Guys over Basic Needs
I had a friend who called me in the middle of the night in hysterics because her grandmother had kicked her and her son out of the house and she had no clothes for him or money for food. She asked if I could loan her some money and give her a ride to her Mom’s house who lived all the way across the city.
It turned out she’d spent the last of her money on tall boys instead of trying to buy food for her kid. I helped her out, but that was one of the last times we saw one another. She started using illegal substances shortly after that and I just didn’t want to be a part of that anymore.
25. The Calling
I had a friend fresh out of high school get a credit card and bought a 1,200 Mac book with it. He was going to have his entire college paid for by his rich parents but he wanted to move to California. His parents said that if he moved to California they wouldn’t pay for his college.
Well, he decided to move any way because California was just calling him. Now he is going to be in like $200,000 worth of debt plus graduate from a college with less prestige than the college he originally was going to. But he thinks it’s going to be fine because he will be a male nurse and be earning bank someday and he won’t even feel the debt.
24. Policy On Returns
I work in a second-hand store that has a “no cash back” policy on returns. You can, however, sell it back to us for a reduced cash price or return it for store credit in the value you paid for it during the time of the warranty. A scruffy as hell guy buys a latest-gen gaming system from us and three days later both calls and comes in the store cussing out employees because we won’t give him the full cash price back so he can feed and diaper his baby.
He should have thought about that BEFORE dropping $300+ on a gaming system and games. He knew policy from the moment we sold him the system – it’s repeated to customers at every transaction, and especially stressed during high dollar ones.
23. Vices over Food
I spent the night at my friends house when I was around 14ish and at their house, they had I think 4 or 5 kids, I was friends with the oldest. We didn’t eat any dinner at any point and we’re all getting hungry.
The kids ask to have some money to walk to the grocery store to grab hot dogs and stuff to make a quick cheap dinner. Mom said “I only have $15 and that’s my cigarette money”. We all ended up not eating anything. It really broke my heart.
22. One After Another
I know a guy who bought a car and immediately grabbed a title loan on it. He was still paying for a used car that was no longer running, in addition to making payments on a mattress and a few other payday loans. He also made payments on various random junk at pawn shops to keep them from being sold.
He also saved up money to go to the state fair and spent over a hundred dollars on carnival games to win cheap crap. There were rumors one of those payday loans he took out was just to buy snacks. He also borrowed a $200 Bluetooth speaker from a coworker, and proceeded to lose it and had to borrow more money from other coworkers to pay for a replacement.
21. Major In Finance
My roommate in college who got endless credit cards bills and whose rent checks would bounce and would come home all the time with $500 worth of illegal recreational meds for her and her friends. And if you ever confronted her about a rent check she would say “I thought it went through and I already spent that money, so it’s gone.”
Like girl, we still need your part of rent. Once her car broke down when she had been driving on two spares for months, and they told her she had screwed up her alignment driving on the spares. She said “It’s too much to fix” and just left her car there, and never went back for it. I couldn’t figure out why this girl is taking Finance as a major course and she can’t even apply it in real life.
20. She Can’t Stop Spending
A former friend of mine was horrible with money and got herself to a point where she was over 30k in debt just from spending recklessly. Her family booted her out and wouldn’t let her stay unless she could pay rent, but of course she couldn’t. My parents offered to help by allowing her to move in with us rent free for the time that my brother would be away at school. I told her to take this golden opportunity to start saving and paying down her debt but all she did was continue to spend.
I come home one day and she announces to me how she bought a pair of $100 Lulu Lemon yoga pants. I told her she was an idiot because she doesn’t even do yoga let alone work out and what the heck was she thinking spending that much money on a single pair of pants when she can’t even afford to put gas in her car or pay her phone bill. The very next day she went back and bought a second pair.
19. 6 Figures But No Savings
My 76 year old self-employed father. Still has his own office. Can hardly walk, can’t hear at all but spend at least 10 hours a day in the office trying to make ends meet. He has zero $$$ in retirement, no savings at all. He will be working till he drops.
He’s a family attorney. He makes 6 figures every year. He just could not stop spending. If he needs to use something and he can’t find it automatically, he will go ahead and buy a new one. Always buying things that he will not use and not need.
18. When Disney is Life
Married couple I know have never held down jobs. The guy keeps getting fired and the girl keeps quitting because of lazy reasons. My mother in law felt bad for them and let them move into her basement for peanuts for rent. Man lost his job again, woman got pregnant. Had the baby, quit to take care of it. My too kind MIL gave them a couple months of no rent to get back on their feet.
When the guy got a job again he kept making excuses about rent. Trashed her house, never paid. My MIL is taking them to court. They did have a signed month to month lease with my MIL. She eventually evicted them for unpaid rent and damaging property. They still went to Disneyland. They go every year they said.
17. Bad Entrepreneurial Skills
I had a friend cash out all of his stocks and savings so he could spend $100k on his own online marketing business. He had no prior experience and no clients lined up. He had about 4 clients over the course of 2 years, one of whom never paid him.
I really felt bad for him. Entrepreneurship is always risky, however, investing everything you have without any experience or plan is just plain stupid. But at least he achieved two important things: learning what he could and couldn’t do, and he can check off going for what must have been an important dream for him.
16. Laziness Won’t Get You Anywhere
This girl I work with always complains she has no money and recently screwed up her car by blowing out all 4 tires while she was drunk driving and drove her car home on bare rims, which she said costs her 7 grand to fix. She told me the other day she was so broke she was going to see if she could apply for food stamps. Anyways, we work at a nail salon and I booked her for an appointment. When I told her that someone was coming in, she said “I didn’t cross my schedule out? I was planning on going home early, I’m tired” AS SHE WAS DOING THE NAILS OF A CLIENT THAT HAD NEVER BEEN THERE BEFORE.
Like how are you going to make money when you don’t want to accept clients, and have a sh*tty attitude in front of new ones that could potentially come to you every two weeks and PAY YOU. You’re starving for food but you want to go home early? Hmm.
15. So It’s All My Fault
When my mom, the family breadwinner, almost died of cancer, my dad took himself out to dinner basically every single night she was in the hospital. And not in like a “sack of dollar menu stuff” way, but in a “the cheapest thing on the menu is a $14 burger and he’s also drinking beer” kind of way. He always gets home drunk, even before mom got sick and even when they had almost no income.
This is the same man who told me most of his financial problems are because I went to college. He doesn’t know I’ve seen the paperwork from the new mortgage they got around the same time that consolidated their existing mortgage, second mortgage, and other, non student loan debt. They owe north of $200,000 on a house they bought almost 35 years ago. He ate and drank that money.
14. Irresponsible Pet Owner
A friend of mine bought a female bunny rabbit two years ago. It got sick and she says, “It’s too expensive to send her to the vet,” yet she just got a $500 tattoo on her arm. Her bunny started chewing on her carpet and has completely cost her the deposit on her apartment because the carpet will need replacement. Her bunny also has a higher risk of cancer without spaying, which I think she ignores and thinks, “That will never happen.”
SO, she decided to get a male cat and it need spaying. There is a place in town who will neuter cats for $50, but she STILL hasn’t taken him, even though he is peeing all over her house! She just took a trip to Nashville for the week and I’m feeding her pets while she is gone and it just bothers me that she even took a trip when with the cost of the trip, she could have fixed BOTH OF HER PETS.
13. Now that’s Terrible
I work with a guy who just seems to go out of his way to try and set his paychecks on fire. At first I felt bad, but now.. He apparently bought a motorcycle on credit. Crashed it, fixed it- on credit. New to the job, he recently bought a house. A house that is quite far from work and needs a tremendous amount of repairs. Roof pieces are coming off, complains this wasn’t noted in the inspection but the roof is visibly in need of replacement from the pictures he showed me.
Other day, he mentioned something about his car which he bought used to save some money with 200,000 miles on it. Goes on to talk about maintenance costs, then pivots to how he’s trying to take off for a vacation. Yeah. So.. I don’t know what he wants me to say to him. I just don’t know.
12. What a Wonderful ‘Fresh Start’
Last year a friend of mine received $1.25 million from a bad divorce. She took $500k and bought a house 4 hours away from anyone she knew because she wanted a “fresh start”. She quit her job moved into her new home and started to travel, from October 2016 till April 2018 she spent $750k on cars, vacations, gifts and crap, she didn’t need also to help her new BF buy land to start a Alpaca farm. I helped her originally put away $500k into savings and investments but she pulled all of the cash in there to fund her interests.
So she comes to me looking for help, I told her she needs to sell the house and move back closer to her family, buy a nice 5plex I found for her and she would have about $5k cash flow every month and can live in 1 of the units! She loves the idea! So I wait for her to call me so we can get it all going but I didn’t hear from her till June… she sold the house at a $50k loss, bought more land to help the Alpaca farm, bought a Cabin to put on the land even though there is no water or power there and just spent $10k on a trip because she needed a vacation after all the hardship of being poor for a month.
11. Truck and Towed
My father is terrible with money, anyway he is flat broke living on $600 a month social security living in the basement of a old factory. He calls me one day to see if I will help him get this truck from a town about 80 miles away, its a 1940′ dodge flatbed or some such that he is going to turn into his mobile art studio. He has somehow convinced his dad to loan him $1500 for the truck and wants a ride to get it, I say no because I was fed up with his shenanigans. He convinces some fool to take him but since he is broke he doesn’t bring any more money. This truck gets like 6 mpg and of course runs out of gas halfway back.
He somehow gets it back home but there is nowhere to park it so he just parks it across the street in a private parking lot. Of course it gets towed within a day and now of coarse he needs to borrow money to get it out, which no one will give him at this point.
10. Chill All Day, Party All Night
Roommate (now former because of this), got laid off, 50k in the bank, proceeds to not work (on purpose) for 3 years, eating through it all. By the time it got so low that he had to pay rent with a credit card, he finally got off his lazy 41 year old butt and got a job (I left way before that point to save myself from being hurt by that situation).
He talked the whole time about doing something good with the time and money (a degree, an apprenticeship, etc). He did nothing. He sat on his butt all day every day then on weekends he’d club, get drunk, come home and start the week over again. 3 years lost. It’s definitely good to party and get it out of your system after a lay off, especially if you have the means, but don’t waste it especially when you’re reaching the age where it gets harder to get new jobs.
9. Luxury Lifestyle it is!
We have family friends, we’ll call them “Aunt Tina and Uncle Bob.” They always lived a very affluent lifestyle, moving to big houses on really nice areas. But eventually it comes out that they had kept getting evicted for not paying rent, and just moving on to the next fancy town. Uncle Bob was in charge of all the finances, had lost his job and was working “freelance”, while my Aunt Tina worked her butt off and had no idea this was happening until it was too late. Even after she found out, she kept giving in because she wants to trust him.
The saddest, most recent part of the story is that their son graduated high school this past Fall, and was convinced he was going to a big, out of state university with his best friend. His parents went along with it, flying him out for a visit, and then registration. Finally, when the semester was about to start, the school said he wouldn’t be able to attend because the tuition hadn’t been paid. Also, he couldn’t apply for student loans because his parent’s credit was so bad.
8. The Traveler and The Shopaholic
My dad saved like hell his entire life. Staunch minimalist. Had about a million saved by his 60s when my parents divorced. My mom (a shopaholic) fought him in court and received $800k from him, which he just let her have because all he wanted to do was live in a tiny house he already owned outright and spend the remainder of his years traveling in the cheapest countries. He’s still self-sufficient to this day at aged 75 and has been to around 45 countries in the last 10 or so years.
My mom spent the $800k in less than 5 years. She bought nothing but garbage. Collectible angels, a bedroom suite, a house she couldn’t afford. Just shopped and shopped. She yelled at me this week for refusing to pay her electric bill which is about to be disconnected.
7. Love will Make You Blind
My friend was pretty poor after her husband died & left her with 3 small kids. Luckily he had a good life insurance policy with his work. So she got a small settlement & each kid gets a small monthly check until 18. She also got a small monthly check as long as she never remarried. Not sure of exact amount of the checks, maybe 100-300 range each. I think it’s enough to just barely live on.
She immediately starts dating another dude & got engaged. She had this idea for a dream wedding & was spending her entire settlement on it. I think it was in the 20-30,000 range. She caught the guy cheating a month before the wedding. I begged her to call it off or at least wait. She went through with it but he got the other woman pregnant so it didn’t work out. She threw away the settlement & her monthly check & is barely making it now.
6. Lovely Precious Diamonds
My uncle tried to sell his house for 50k worth of diamonds. His property is worth about 300k. He was convinced that because diamonds were so expensive and valuable (even though it’s common knowledge nowadays diamonds are artificially priced).
He couldn’t perceive that the diamonds were worth less than the house, because “they’re diamonds” and “they’re precious stones”. It sounds crazy, but he literally is, this was the event that made him lose his financial independence.
5. She’s Lucky to Have a Generous Family
My wife has an uncle who married a whopper of a woman. She came from a rich family and demands the best of everything without putting in any work or effort. She will buy a whole new outfit before washing her own dirty clothes. She has homeschooled most of her children, but refuses to actually teach them anything. She got her husband involved in a huge MLM and lost all of their money.
The only reason that they aren’t dirt poor is because her family keeps giving her money from the family trust that she isn’t supposed to be getting. After all of this, you’d expect me to say that she is making the poorest financial decision, but you’d be wrong. It’s the rest of her family. They should cut the purse strings and let them get their own lives in.
4. Easy Spending
I knew a dude in high school that inherited around $50,000 after his grandfather died. He blew it all within 6 months by purchasing everything in excess. For example, when the new Call of Duty game came out, he bought 10 copies “just in case I break all the discs”.
He would buy extra furniture for their house and bought extra storage space to store this extra furniture. Not exactly the sharpest tool in the shed. After the money ran out he would attempt to get the group to help him pay for food.
3. Property Mortgage
My parents make $220,000 a year and are living paycheck to paycheck, with the occasional payday loan thrown in. They recently sold their dream home in a hot real estate area because they couldn’t budget the property taxes every year and the “mortgage was too high.” They took the $130,000 they had in equity and bought a prefab trailer so they wouldn’t have a mortgage.
So, instead of a mortgage, they have a $600/month lot rent, they pay $300 in storage fees, and $2200 for my mom to board her horses somewhere else. Plus, she has to pay a caretaker instead of being able to take care of them before/after work on her own property. End result, they now throw away more money each month than their mortgage was.
2. The Car Lover
A guy I used to work with is mad about cars. He buys a new, high powered car every year or two. He has gotten out a loan for or financed most of them. Last count has him at about 9 cars. He is also a maniac rev-head driver and has damaged about half of them (crashes and engine wear from driving the cars to hard). This however gives him the excuse of having a long term project of upgrading and modifying his beloved cars (changing whole engines twice). Of course he does not finish one project before buying his next toy.
As he won’t or can’t get rid of any of them he has resorted to renting out some dudes shed for $300 a week to store them all in. These are not rare cars that will likely appreciate in value though. Most are just expensive cars, with all the extras, that are depreciating massively year on year. This guy is also only about 25 and he brags to anyone that listens at work about how he is pulling about 40 hours of overtime each week. Not realizing that anyone else at work could also do that if they were stupid enough.
1. Pyramid Scheme Victim
After sitting through a MLM scam pitch for about half an hour, I watched a friend of mine write a $500 check. Prior to the meeting she was saying that she could barely afford her community college classes and really needed a break.
I tried to explain that this was literally a pyramid scheme. I drew the basic pyramid graphic on a paper for her. I was interrupted by one of the salesmen who said, “That looks like a pyramid. That’s not what we’re doing here” before going into another pitch. Well, my friend believed everything, so I just left and deleted contact info of everyone involved.