33MoneyMy friend said, 'I finally figured out my spending habits.' I said, 'That's great, what did you find?' He said, 'I have 347 subscriptions. I don't know what 300 of them are. I can't cancel them because I'm afraid I'll need them.'Show PunchlineShare
68MoneyMy friend said, 'I'm on a budget this month.' I said, 'That's smart.' He said, 'Yeah. I made a spreadsheet. Fourteen categories. Color-coded. I have a little graph. It's beautiful.'Show PunchlineShare
81MoneyMy friend said, 'I've started a side hustle.' I said, 'That's great! What is it?' He said, 'I sell replacement phone chargers.' I said, 'To whom?' He said, 'To the person who keeps losing theirs.' I said, 'That's not a side hustle. That's a recurring revenue model built entirely on other people's incompetence.'Show PunchlineShare
57MoneyMy friend said, 'I finally tracked where all my money goes. I made a list of every purchase for two weeks. Forty-seven items. I added them up. The total was $312.'Show PunchlineShare
70MoneyMy friend said, 'I've been really good at not overspending.' I said, 'That's great, how?'Show PunchlineShare
38MoneyI told my friend, 'I'm on a no-spend month.' He said, 'That's impressive. How are you doing?' I said, 'Great. I haven't spent a single dollar.'Show PunchlineShare
24MoneyMy friend said, 'I've been really good at saving this year.' I said, 'What's your strategy?' He said, 'I unsubscribed from three newsletters.'Show PunchlineShare
61MoneyMy friend said, 'I finally got my finances in order.' I said, 'That's great! How?' He said, 'I opened my bank app for the first time in eight months. I saw a balance. I closed the app.'Show PunchlineShare
23MoneyMy friend said, 'I've been really good at investing.' I said, 'What have you invested in?' He said, 'A cactus.'Show PunchlineShare
5MoneyI told my friend, 'I've been really good at budgeting.' He said, 'That's great! What's your system?' I said, 'I have a folder in my phone called "Expenses." I put receipts in it. I have not opened the folder in nine months. I assume the money is still in there.'Show PunchlineShare
7MoneyMy friend said, 'I finally started a savings account. I put in twelve dollars every single month. I have not missed a month in four years.' I said, 'That's... disciplined.'Show PunchlineShare
37MoneyI tried to save money by making coffee at home. I bought a French press, a grinder, four bags of beans from different roasters, a milk frother, and a ceramic mug from a pottery class. My total: two hundred and twelve dollars.Show PunchlineShare
47MoneyMy friend said, 'I've been really disciplined with my spending this month.'Show PunchlineShare
39MoneyMy friend said, "I finally figured out where my money goes." I said, "That's great! What did you find?" He said, "I opened the bank app and found a charge for $4.99 from a place called 'SnackBar.' I don't know what SnackBar is."Show PunchlineShare