Irresponsible spenders consumes their retirement resources and losses values.

[AVE5]

It's acceptable as you earlier subjected that you're not sure of your instincts towards what you sights on the mans activity in just in a one time engagement with him even when you don't know about his privacies and background.
What I understand about Life is that you don't just have to look away from thing's that happens around your notice even if it didn't directly occured to you In particular, it'd always help you to have otherwise thinking before you take an action so that you don't regret at the end of it on a clear conciousness.
That's a sociological and psychological faculty of one trying to grow impact by impossibilities and possibilities imaginations whether we're sure or not sure of it.
Onto this man in question by Op, I'd he might be a responsible one which you don't know and the fact that he spends extravagantly doesn't mean he doesn't stick to provide the needful for his family.
I don't see anything wrong of a man enjoying himself or doing what makes him happy if he can afford it. If he has enough to spend so he it but if he's the fond type of lavishing his money out like that and doesn't take his responsibilities down to his family then there I'd say he's an irresponsible man because there are also men who're carelessly spending on unproductive pleasures that only have them temporary glory or punkick hailing and regrets all of their unnecessary expenses once they're out of funds.
The Op can still be right but let's say the man's story line can be an assumption since it's not verified.

[slapper]

This whole "live for today" thing? Where people blow cash like it's gonna grow back on trees? It's not just dumb, it's dangerous. It's screaming a lack of foresight, a lack of basic planning. Yeah, yeah, the rush of spending feels good in the moment, but that's not living, that's being reckless. It's not just high-rollers at casinos, it's everywhere: people spending way beyond their means, chasing that quick hit of good feeling that comes with buying stuff. They prioritize the now, forget about the future...and who's there for them when things go south?

They trade real happiness for that fleeting rush. And when it all blows up in their faces (the savings gone, the bad debt piling up) then it's "if only I knew better". But they'll do it again because they haven't addressed the root problem: their mindset. That's the hard part, fixing HOW they think about money. And guess what? Society is part of the problem. We glorify spending, but we don't talk about the fallout. It's up to us to be smarter, challenge this idea that living well means spending until it hurts

[milewilda]

While most of us thinks that there are only addicted gamblers who are reckless spenders, I want to let us know too that there are other reckless spenders who are even Irresponsible to their responsibilities and bringing about devalues to their influential personalities.

While in a sit out with friends last night, there was this honourable looking man who whose table was served with lot of expressive wines and edibles alongside with his friends too, While he is sitted very close to me, he was bragging and was even louder than the MC with the microphone saying... Life is sweet and we all have just one life so lets enjoy it to the fullest because while we are strong and healthy today, some are dead while some are in hospital.
Meanwhile we that are here do not know about our tomorrow so... Let's catch up the cruise of today because we are not sure of our tomorrow.
So he called in the waiter with more order placed.
As time goes but he was having incoming calls that he refused to answer and at last the call came I noticed he stored the number with My Wife and then he shutdown the phone to have his peace and concentrate on his enjoyment.

I am not sure of my instincts towards this man but with experiences from people of such nature, they are ones who lavishes their money on pleasures and does not have plans for their futures, they ends up regreting after much expenses when they runs out of funds. Then, they feels remorseful to had lavished their money on unnecessary expenditures and feels they had learnt their lessions but when they refills their pockets again they lost their responsible minds.
Meanwhile... They are usually the kind of people that budgets their incomes on unproductive and Irresponsible expenditures rather than spending on their families or even outdoors responsible spendings.

These are usually the set of persons that says... Had I know and once upon a time during their old ages after they must have spent their retirement resource at their youthful ages and end up being disregarded in the family and looses their influential values around the societies.

People are different in terms of;

-Perception in life
-Behavior
-Approach towards family relationship
-Priorities and importance in order
-Ideals


This is why on the time that we are seeing that they are opposing on what ideals we do have then it would really be just that normal that we would really be making out such
comment or those kind of words that they are doing the bad thing but eventually we dont know about their background. You cant say that they are spending lavishly, what if they do have the money actually came from their day job and with their other businesses or income source? For sure it would really be just that a piece of cake kind of spending but you do end up on having those
bad impressions just because he had been behaving that way. So it would be better that we should stop on minding on things on which we know that its their
money and its impossible that you wont really be thinking about budgeting or something.

[Oasisman]

~snip~

People are different in terms of;

-Perception in life
-Behavior
-Approach towards family relationship
-Priorities and importance in order
-Ideals


This is why on the time that we are seeing that they are opposing on what ideals we do have then it would really be just that normal that we would really be making out such
comment or those kind of words that they are doing the bad thing but eventually we dont know about their background. You cant say that they are spending lavishly, what if they do have the money actually came from their day job and with their other businesses or income source? For sure it would really be just that a piece of cake kind of spending but you do end up on having those
bad impressions just because he had been behaving that way. So it would be better that we should stop on minding on things on which we know that its their
money and its impossible that you wont really be thinking about budgeting or something.

I totally agree with your opinion. I think the OP continued to eavesdrop with the other table because he assume that this man was overspending recklessly and was ignoring his wife. He also assume that this man was being irresponsible for spending that money with the others instead of his family. Well, a family man would always have their family as the priority, spending with the others sometimes are essential for mental and emotional health. It's not all the time we are spending exclusively for our family. In fact, the OP might didn't know what's going on between that man and his wife and it looks like it didn't cross his mind the possibilities of that couple being in an argument and that the man chooses to walk away to cool everything down.
IMO, what the man did is a serious indication that he and his wife were having an argument based on his demeanor and choices of words.

[el kaka22]

Maybe they are just people who do not realize that they can save enough to do something big in life? Maybe they realized they could do this and have small happy moments and that's the best they could hope for? That's the thing that is lacking these days, people lost hope, any hope that they could live a better life.

They think that no matter what they do, they won't live a better life, and that means with debt the best they can do would be making a life that would have some stories to tell. I am one of those people, not that I spend it on irresponsible ways, but I lost hope, I can take out any debt I want, but I do not see any future where I can live a richer life, that just doesn't make sense to me at all.

[Maus0728]

If you look at it, there is no shortage of such people in our society.  There are many people who spend uncontrollably and do not care about their families at all.  It is very sad that a person who earns but does not take his family seriously and does not care.  I know other family members of such people are not happy at all.  Because this one person is enough for their mental suffering.  They don't care where they will get the money if there is any big danger in the future.  Where will the money for their treatment come from if they suffer a major accident?  There is no use in understanding them.  Because they usually don't listen to others.

Can't blame them, a lot of people that have been born into this world always lacking of their desire will always end up having to make the most reckless decisions because they're the ones that got deprived of things that they wanted but they don't have the money to satisfy that desire and so the moment that they're making money, they start losing control over how they spend their money which leads to them becoming irresponsible, one thing that could help solve this problem is probably the effort of teaching more people about financial responsibility, it may not prevent the reckless spending from totally happening but at the least, people are going to be aware that whatever they're doing is wrong and they know that it's time to change for the better.

[Yaqs15]

Maybe they are just people who do not realize that they can save enough to do something big in life? Maybe they realized they could do this and have small happy moments and that's the best they could hope for? That's the thing that is lacking these days, people lost hope, any hope that they could live a better life.

They think that no matter what they do, they won't live a better life, and that means with debt the best they can do would be making a life that would have some stories to tell. I am one of those people, not that I spend it on irresponsible ways, but I lost hope, I can take out any debt I want, but I do not see any future where I can live a richer life, that just doesn't make sense to me at all.

And I am very sorry to say it's not good for one to be thinking that way no matter what. One should not loose hope especially when there's still life, we should have hope that we can do more than what we have done. But it's should be with great patience , endurance and time.
      When you are busy building your own self to see the better part of your self, you are going to loose 99% of your friends. So it's better for us to learn how to discipline ourselves economically. We need to learn how to spend wisely and not lavishly. It leads to high rate of poverty when you always spend more than what you earn.
we should always be spending below our earnings.

[Churchillvv]

Edited out

I will agree with you to some extent, especially with the last paragraph: people who waste their resources at their youthful ages end up regretting it at old age. And for one not to be among this set of people, we have to spend wisely by making a lot of investments that have long-term targets. 
 
Now let's have a rational thinking about the scenario that you explained, about the fact that a man was saying that life is one and we must have to enjoy it. I tend to think of his action as a result of either being too broke for a long time or lack of investment knowledge, or he lacks the ability to manage wealth, but the fact that one has suffered a lot of financial instability does not guarantee him to spend recklessly, but when it comes to having fun at some point, we really need such enjoyment. There is a popular saying in my place that says, If you work, you will chop. Which means at the end of every work there is a reward, and the reward is that people spend time at parties, and for that, I have seen them go back and arrange their lives's well. But for some, they don't calculate their spending. 
 
But at the end, it all boils down to the same thing: we all should be very careful with how we spend in order not to go broke. So for you, OP, I say you shouldn't judge yet, but try to find out if yes or no that the person in question is actually a reckless spender before drawing a drawing a conclusion. 

[bluebit25]

I wouldn't jump to conclusions based on limited observations. We never know what another person's life story is. That guy enjoys his expensive purchases be it celebrating a milestone, rewarding himself after a rough patch, or simply treating himself because he deserves it. there.

Appearances can be deceiving. Maybe he was just having a rough day and needed a pick me up. Without context, it is impossible to accurately assess his situation.

Life is about different perspectives, and perhaps his living it to the fullest is right. We all have a chance here, and finding ways to enjoy the journey is important. Even something as small as lottery tickets can be a source of harmless entertainment for some people.

[dezoel]

I believe that life is not ones and zeros, while we could agree that there are radical level people who do either side completely, I believe that 99.99% of the world does it both. Sometimes we save amazingly, sometimes we spend like crazy, sometimes we make small mistakes that end up being bad, sometimes we save money just a bit.

There isn't just saving or spending, those are not like two options that you pick at 22 years old and live accordingly until 62. Technically speaking I have saved a lot of money back in the day, as in literally bought myself a brand new car, that was a perfect year for me and I made so much money and saved, but also right now I am in big debt as well, it is the same person, sometimes situations change.

[Jody.Drummer]

If you look at it, there is no shortage of such people in our society.  There are many people who spend uncontrollably and do not care about their families at all.  It is very sad that a person who earns but does not take his family seriously and does not care.  I know other family members of such people are not happy at all.  Because this one person is enough for their mental suffering.  They don't care where they will get the money if there is any big danger in the future.  Where will the money for their treatment come from if they suffer a major accident?  There is no use in understanding them.  Because they usually don't listen to others.

Can't blame them, a lot of people that have been born into this world always lacking of their desire will always end up having to make the most reckless decisions because they're the ones that got deprived of things that they wanted but they don't have the money to satisfy that desire and so the moment that they're making money, they start losing control over how they spend their money which leads to them becoming irresponsible, one thing that could help solve this problem is probably the effort of teaching more people about financial responsibility, it may not prevent the reckless spending from totally happening but at the least, people are going to be aware that whatever they're doing is wrong and they know that it's time to change for the better.

Maybe I would say that they are people who are not grateful for the life situation they have, if only they were born normal and if for example they could see how the fate of people who are far below them who are even born with disabilities or who have other limitations which affect and make it difficult for them in terms of making money and doing other activities in life then I think they will definitely feel that their mindset which always leads to satisfaction is the wrong mindset.

Being grateful and having a correct understanding of the value of money is the recommended personality and mindset, and on the other hand I am sure that they are typical people who cannot think long or mean not thinking about other interests in the future so that when they have money they instead allocate the money to other things that are actually only to fulfill their satisfaction and not their needs, so this is the importance of good management and perspective on something as valuable as money.

[topbitcoin]

I believe that life is not ones and zeros, while we could agree that there are radical level people who do either side completely, I believe that 99.99% of the world does it both. Sometimes we save amazingly, sometimes we spend like crazy, sometimes we make small mistakes that end up being bad, sometimes we save money just a bit.

We will only find out how valuable the money we earn is when our finances run low, where this situation forces us to live more frugally. But this is better than someone who squanders money and spends money like crazy without thinking about what will happen in the future, and when his finances start to run low, instead of realizing his bad behavior, he instead makes quite dangerous decisions and can be detrimental. have fatal consequences. which can have a bad impact on his financial situation, namely by taking out loans, which behavior will only cause serious financial problems. It's a stupid thing, but many people behave like that, making a decision carelessly without considering what the future consequences will be.

There isn't just saving or spending, those are not like two options that you pick at 22 years old and live accordingly until 62. Technically speaking I have saved a lot of money back in the day, as in literally bought myself a brand new car, that was a perfect year for me and I made so much money and saved, but also right now I am in big debt as well, it is the same person, sometimes situations change.

When you are between the ages of 22 and 62, there are two types of choices that can be made and lived out: saving and spending money. Life situations change unexpectedly, and at one moment a person may have saved a lot of money and feel financially stable, while at another moment they could be overwhelmed by huge debts. This is an indication that life contains many risks and challenges that one should be prepared to face with wisdom in handling financial matters whenever they change.

[AmoreJaz]

I wouldn't jump to conclusions based on limited observations. We never know what another person's life story is. That guy enjoys his expensive purchases be it celebrating a milestone, rewarding himself after a rough patch, or simply treating himself because he deserves it. there.

Appearances can be deceiving. Maybe he was just having a rough day and needed a pick me up. Without context, it is impossible to accurately assess his situation.

Life is about different perspectives, and perhaps his living it to the fullest is right. We all have a chance here, and finding ways to enjoy the journey is important. Even something as small as lottery tickets can be a source of harmless entertainment for some people.

I am with you on this perspective. We can't judge the person's actions by just what we are seeing, we don't know his intentions, motives or life in general. We can't conclude about what should be done in his life because we have no idea what he's going thru. We are just merely speculating on someone else's life. Much better to do is take care of our own business and as much as possible improve our life in our own way.

This is why it is not good hearing some rumors because we don't know the validity of the information. In most instances, people are just speculating on what they have seen, creating a different persona for that individual. Some people can fabricate a bad image even if such individual is just merely enjoying the moment.

[Youngkhngdiddy]

Maybe they are just people who do not realize that they can save enough to do something big in life? Maybe they realized they could do this and have small happy moments and that's the best they could hope for? That's the thing that is lacking these days, people lost hope, any hope that they could live a better life.

They think that no matter what they do, they won't live a better life, and that means with debt the best they can do would be making a life that would have some stories to tell. I am one of those people, not that I spend it on irresponsible ways, but I lost hope, I can take out any debt I want, but I do not see any future where I can live a richer life, that just doesn't make sense to me at all.

  I feel like most workers who fail to meet up to their retirement goal  just fail to plan during their time at work, they are easily carried away by the things of the present, some of them easily forget that they is something called the future. They prefer to live in the moment, forgetting that they live with budgeted funds. Those who are not fortunate to be born into wealth should be more disciplined when handling wealth. Because mismanagement of funds prune to happen to overzealous individuals.  It is advisable to save 30% of your monthly income, workers should cultivate the habit of saving because this is their pass card to early retirement. You will seldom have unlimited access to wages or overtime. Having savings limits your need to borrow to cover unexpected expenses.       
   Additionally few people budget correctly to include the annual or semiannual bills like property taxes and insurance and vehicle registrations. Having a financial cushion gives you peace of mind and allows you freedom to make better choices with less emotion. The main goal should be to work as a hedge for events which need immediate funds to be able to maintain your fixed as well as unplanned but a must-have/do expenses. A person wants to avoid asking friends relatives etc. for short or long term funding when getting laid off someone facing unexpected high repair bill hospital/medical care bill— for such events folks need to provide set aside reserve/savings.

[TEBTC]

Many people are reckless when it comes to finance and spending because of the wrong mind set that we have to enjoy while you are alive so some will be working with good salary but nothing to show for it and after they retire they begin to blame it on friends and associates of forgetting them

[junder]

We will only find out how valuable the money we earn is when our finances run low, where this situation forces us to live more frugally. But this is better than someone who squanders money and spends money like crazy without thinking about what will happen in the future, and when his finances start to run low, instead of realizing his bad behavior, he instead makes quite dangerous decisions and can be detrimental. have fatal consequences. which can have a bad impact on his financial situation, namely by taking out loans, which behavior will only cause serious financial problems. It's a stupid thing, but many people behave like that, making a decision carelessly without considering what the future consequences will be.

I think that's absolutely what many people feel, because when they have quite a lot of money they don't think about how important that money is, they just follow their desires to buy this and that without hesitation and without thinking, and when their money runs out they just realize why can their money run out, where does all the money they have go, but it will only be a regret, but even if we regret it it won't change the situation, therefore this is the importance of money management, we must be able to manage money when we have money That's quite a lot, don't think about it because we have a lot of money, we can buy whatever we want without thinking about the future.

taking out a loan can happen, because in my opinion when we have enough money there is a possibility that our lifestyle will change, whether it becomes a little luxurious or very luxurious, our tastes will also increase, and when the money we have runs out it can no longer meet our high tastes. and here there is the possibility of being able to take out a loan. Taking out a loan is not completely bad, but we have to be able to see what is being done, what is the purpose of borrowing money? If it's just to suit your style and taste, in my opinion that's wrong.

[angrybirdy]

Many people are reckless when it comes to finance and spending because of the wrong mind set that we have to enjoy while you are alive so some will be working with good salary but nothing to show for it and after they retire they begin to blame it on friends and associates of forgetting them

Well that's true, there are a few people who really have that mindset in life, They always say the word YOLO means You only live once, so you need to enjoy what you have now because we are not sure what awaits us in the future. Those words commonly come from people who have the means in life, They are the ones who grew up with generational wealth and don't experience struggles in life and I think that's fine as long as they didn't harm others life. Let them do the things they want, afterall it's their own business, maybe it's better to focus in our own businesses too because we have different states in life. Not all people are like us and if we think they have a wrong mindset, they will eventually realize it.

[fuguebtc]

Life is sweet and we all have just one life so lets enjoy it to the fullest because while we are strong and healthy today, some are dead while some are in hospital.
Meanwhile we that are here do not know about our tomorrow so...

Rarely does a person think about death unless he is old enough or his death has been medically predicted by a doctor. If you find a man like that, then don't disturb his fun. After all, you don't know how productive they were in the past.

I agree that there are also irresponsible spenders like the OP is talking about in our society . But I don't agree with OP being so quick to judge someone when he just happened to meet them at a restaurant . How does OP know if the other person is a waste or a worthless person ? I also don't rule out the possibility that he has been working hard for a long time and what he did was just want to take some time to enjoy life after a series of hard days .

@OP , it's funny how we always think we're good people when we try to save money, don't spend wastefully , and quickly underestimate others just because we see them wasting money .

[God bless u]

I think there is no harm even after he rejected all the calls and concerns. He just wants to enjoy his life and he has all the rights to do so. After having so much in life he has earned some cents so why should he worry while spending it? He has all the right to spend as he wants.

Now comes the case with his wife and children. They have a right but only up to the necessities of life. After that if he gives them luxuries that's a plus point and if he don't thats ok. Giving proper education and resources is just what he should look for. Rest he should enjoy his life. Don't complicate please life is too short to always plan and worry about.

[topbitcoin]

We will only find out how valuable the money we earn is when our finances run low, where this situation forces us to live more frugally. But this is better than someone who squanders money and spends money like crazy without thinking about what will happen in the future, and when his finances start to run low, instead of realizing his bad behavior, he instead makes quite dangerous decisions and can be detrimental. have fatal consequences. which can have a bad impact on his financial situation, namely by taking out loans, which behavior will only cause serious financial problems. It's a stupid thing, but many people behave like that, making a decision carelessly without considering what the future consequences will be.

I think that's absolutely what many people feel, because when they have quite a lot of money they don't think about how important that money is, they just follow their desires to buy this and that without hesitation and without thinking, and when their money runs out they just realize why can their money run out, where does all the money they have go, but it will only be a regret, but even if we regret it it won't change the situation, therefore this is the importance of money management, we must be able to manage money when we have money That's quite a lot, don't think about it because we have a lot of money, we can buy whatever we want without thinking about the future.

You are right that regret alone is not enough, because this will never change anything and return the money we have spent. No matter how much income we earn each month, if we don't have good financial management then the money will be wasted on things that are less important and useful. I remember very well there was an incident where there was a village where the majority of the people's income came from farming, but because the land was going to be used as mining land, the people flocked to sell their land, because the mining company was offering high prices that they had never imagined before. They sold their land in droves and suddenly became billionaires, and suddenly almost every house had a luxury car parked. However, because of poor financial management, a few years later they returned to poverty because they lost their livelihood, and they were no longer able to pay the tax on the car they bought. It's a crazy bun, but it's totally real.

taking out a loan can happen, because in my opinion when we have enough money there is a possibility that our lifestyle will change, whether it becomes a little luxurious or very luxurious, our tastes will also increase, and when the money we have runs out it can no longer meet our high tastes. and here there is the possibility of being able to take out a loan. Taking out a loan is not completely bad, but we have to be able to see what is being done, what is the purpose of borrowing money? If it's just to suit your style and taste, in my opinion that's wrong.

Yes, many people behave like that, but it is no worse than someone living in poverty, having a low income. But forcing yourself to look luxurious to look cool and appear established to other people.