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Many people find themselves financially strapped through no fault of their own. Some of these situations include job layoffs, theft, and catastrophic medical problems. However, others literally send themselves to the poorhouse due to their own bad decisions and disregard for personal responsibility and self discipline.
The directions below (in no particular order) are those which many people have taken on their way to the poorhouse. They can get you there in a hurry as well.
1) Be a compulsive shopper.
2) Do what feels good.
3) Drink too much.
4) Become a pack-a-day smoker.
5) Shower your kids with material gifts (or at least buy them everything they ask for).
6) Try to keep up with the Joneses.
7) Live well above your means.
8) Believe everything you hear in TV infomercials.
9) Don't buy health insurance until you absolutely need it.
10) Chase "hot" stock tips.
11) Never put a penny in savings.
12) Max out your credit cards and pay only the minimum payment each month.
13) Take exotic vacations on a regular basis.
14) Never pay off the loan on any car. Instead, make sure you trade it on a new one while you still owe on it.
15) Borrow from payday lenders.
16) Experiment with every kind of illegal drug.
17) Produce out-of-wedlock offspring.
18) Drop out of school.
19) Show up at your job whenever you want, and do as little as you can possibly get by with when you get there.
20) Treat lottery tickets like an investment.
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