What Haters Are Like

by J. Money - Published September 11, 2015

facepalm

Tell me if you don’t know people like this…

I just paid off my debt! (You shouldn’t have had any to begin with)

I just invested in my first stock! (You need to diversify more)

I just saved for retirement! (Why? YOLO!)

Budgets are sexy! (No they’re not, they’re boring)

I just rode my bike to work! (You’re gonna hit by a car one day)

I just bought a used car! (It’s gonna break down, you know)

I  just bought insurance! (You would have been better off saving it)

I just saved $20.00 doing it myself! (My time is worth way more than that)

I just got a raise! (I’m owed like a hundred)

I just paid off my mortgage!! (You’re an idiot. If you had invested that money in an 18.19% yield over the past 10.3 years you would have had $128,173 more! And that’s without the stock splits!)

I’m about to retire early! (You’re not going to know what to do with yourself)

I just became a billionaire! (You greedy bastard)

I just donated all my billions! (They’re only going to use it for booze and crack)

haters gonna hate - rollerblading

Jay loves talking about money, experimenting, blasting hip-hop, and hanging out with his two beautiful boys. You can check out all of his online projects at jmoney.biz. Thanks for reading the blog!

{ 88 comments… read them below or add one }

1 Slackerjo September 11, 2015 at 5:53 am

“I just rode my bike to work” almost always prompts a story about jerk cyclists.
When I explain that every day I bike to work I save $5.18 (based on the cost of a bus pass) people often say “But it’s only $5.18”

$5.18 a day people. And I don’t have to buy a gym membership!

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2 Steve Miller September 11, 2015 at 7:52 am

Nicely done SlackerJo.

$5.18 a day is $6976 per year (based on 5 days a week 52 weeks a year). Saved over 30 years, that comes to $545,482, assuming you invest it in the stock market (based on 7.5% average returns).

Tell those haters to TAKE THAT!

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3 Dufus September 11, 2015 at 1:58 pm

ummm…I’m not a hater but unless I’m missing something, your numbers are way off. 5.18 a day time 365 days in a year = $1890.70. (Around $158 a month)

Then according to Bankrate:

Your monthly deposit of $158.00 for 30 years with an interest rate of 7.50% compounded Monthly
with an initial starting balance of $1,890.00

You end up with $230,703.08. Still a tidy sum.

If interest is only compounded yearly, you get $219,243.20

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4 Adrian September 13, 2015 at 5:44 pm

Now your numbers are off since they presumably work 5 days a week. That isn’t every week of the year since you need to remove any holidays they take throughout the year as, well as public holidays.

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5 Darrell September 14, 2015 at 4:09 pm

Figure 240 workdays. $1,243.20. Still a healthy amount of money (a very indirect pun included at no expense.)

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6 Jim Wang September 11, 2015 at 2:22 pm

I am not a biker but I always find it funny when drivers complain about bikers. You’re sitting in a car in perfect environmental conditions and a biker might impact a few seconds of your drive. A few seconds where you’re sitting in a car in perfect environmental conditions!

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7 J. Money September 12, 2015 at 10:47 am

You ride that bike like a beast, Slackerjo!
(And then ride that cash all the way to the bank :))

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8 Brian @ Debt Discipline September 11, 2015 at 6:02 am

Haters usually say it with a bit of jealousy and envy under their breathe too. Sucks for them. :)

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9 This @It Pays Dividends September 11, 2015 at 7:16 am

I just saved a bunch of money by switching by Geico. (That gecko is going to haunt your dreams.). Wait-that one might be true…

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10 theFIREstarter September 11, 2015 at 7:24 am

Haha, so true!

Love it J man!

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11 Dee @ Color Me Frugal September 11, 2015 at 7:32 am

Haters are the reason why I sometimes just decide not to share info about my finances with certain people! Some people will probably never change…

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12 J. Money September 12, 2015 at 10:48 am

Yeah, you’re actually accepted more sometimes if you just bitch about stuff since you’ll then “fit in” haha…

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13 Sandy September 12, 2015 at 7:30 pm

Dee, along with cleaning up my finances, to my surprise, I had to clean up my relationships too. I could no longer talk or relate to some people that I seemed to be able to get along with previously. These days, I just don’t say much about money, finances, or anything else for that matter to people unless I know they are not going to get bent out of shape.

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14 theFIREstarter September 11, 2015 at 7:35 am

I’ve had comments on my blog along the lines of:

Me: We achieved 43% savings rate this month using a funky tax break on our retirements account
Commenter: Ah but if you take out the tax break then your savings rate is rubbish.

What is the point in saying that?! We got the tax break so that was our savings rate! Duh!

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15 J. Money September 12, 2015 at 10:49 am

People always need a way to make themselves feel better, it’s stupid.

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16 Hannah September 11, 2015 at 7:46 am

That meme! I’m cracking up, and for real, haters are gonna hate.

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17 Mrs. Crackin' the Whip September 11, 2015 at 7:47 am

Its just human nature I guess. Whatcha gonna do? lol

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18 Bobby September 11, 2015 at 7:47 am

Haha this freaking nailed it!! I still can’t believe how many people go out of their way to hate on you (especially when you’re a blogger).

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19 J. Money September 12, 2015 at 10:50 am

We open ourselves up for it, that’s for sure. But at least it gives us ideas to write about haha

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20 Penny @ She Picks Up Pennies September 11, 2015 at 8:12 am

I figure if people are jealous, then you’re on the right track, right? ;) Seriously, though, finances bring out the best (the PF blogosphere is awesomesauce) and the worst in people (I blog anonymously to skirt virtual repeats of some of the face-palm moments that I’ve had in real life with friends).

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21 Catina Marie September 11, 2015 at 8:19 am

Wait…how about the people who spend all their $…like on fancy vacations and $85- eye cream…and when the office says “Let’s grab a coffee” they say:

“Oh, I can’t afford that.”

I may or may not know this person. Who the h-e-double-hockey-sticks spends $85- on eye cream?
Happy Friday J!

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22 J. Money September 12, 2015 at 10:51 am

Haha…. someone who hopefully has sexy eyes because of it! :)

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23 Catina Marie September 14, 2015 at 8:32 am

ha ha! Y’all are hilarious!

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24 M/M Kash September 13, 2015 at 4:35 pm

Someone with “special eyes”. Remember the 1800 contacts commercial. Haha… :)

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25 Elise @ Simply Scaled Down September 11, 2015 at 8:22 am

My mom is the worst at this! I know she means well, but last time I went grocery shopping she kept asking me if we had enough to eat at home “because something is clearly not right….you have no meat”. Um mom…I’m vegan.

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26 J. Money September 12, 2015 at 10:51 am

Hahahahahhahha

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27 Heather @ Simply Save September 11, 2015 at 8:22 am

Haha these are so true! I feel like another common response is something along the lines of needing to lighten up and have fun. Saving money IS fun for me!

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28 J. Money September 12, 2015 at 10:52 am

Yeah, def. a popular one :)

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29 Robin @ The Thrifty Peach September 11, 2015 at 8:23 am

I just paid off my mortgage, so I’ve heard that one! I said, well, maybe we didn’t invest all that money into the market but, as J. money says, you should do what excites you. And paying off our mortgage is what excited us. :) Thanks for giving me that line as ammo!

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30 J. Money September 12, 2015 at 10:53 am

Love it!!

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31 NGNEER September 11, 2015 at 8:30 am

Yes! You just made my morning. There are haters everywhere for PF and non PF reasons.

I lost 15 lbs. “you didn’t really need to lose weight”

I got a promotion. “Isn’t your commute like an hour each way?”

Support one another people!

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32 Justin @ Root of Good September 11, 2015 at 8:36 am

I rarely get the haterz attitude from anyone. I try to surround myself with reasonably nice people. Haterz get the boot quickly (nobody ain’t got time fo haterz!). Otherwise, I enter stealth wealth mode as frequently as possible (in real life).

Folks forget you have a 7 figure portfolio when you act like a regular joe they can identify with.

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33 J. Money September 12, 2015 at 10:57 am

hah! Millionaire next door.

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34 Mr. SSC September 11, 2015 at 8:50 am

Haha! That describes most people I work with when I talk about anything related to anything good.
I just ran 30 minutes at a 10 minute mile… That’s kinda slow
I can run 24 minutes at an 8 mile minute pace… That’s gonna wreck your knees
I lost 10 lbs since June… You’re a guy, it’s easy
Hahaha haters gonna hate, especially when I smile and agree with whatever jibber jabber they’re spewing. :)

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35 Mrs. Budgets @MrandMrsBudgets September 11, 2015 at 8:52 am

I don’t hear hate from my real like friends or family on my finances, but we mostly keep mum about it. I don’t think my blog is big enough to have haters yet. But I’ve definitely seen it on other blogs. I’m sure many will appreciate your post today!

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36 Lisa O September 11, 2015 at 8:55 am

So true…but so sad! I really think you need to do what is best for you and how you want to maintain your life/health/family. Some people just see the glass 1/2 empty all the time ~ T.G.I.F. and beautiful day here :)

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37 Money Beagle September 11, 2015 at 9:02 am

We were talking with someone about how we did something that saved us $20 and they said “Why would you go through that trouble, it’s only $20!”

Did I mention that this person lives paycheck to paycheck? Hmmmm…

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38 Claudia @ Two Cup House September 11, 2015 at 9:50 am

This literally just happened to me at work. “It’s only $15 dollars” or “I’d pay $20 to do X” comes up regularly. I bite my tongue because I’ve been there. We all have room to grow!

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39 J. Money September 12, 2015 at 10:55 am

People just don’t get it.

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40 EL September 11, 2015 at 9:12 am

It is simple let them hate, as you keep on building cake. (aka Dollars) Those so many slang words for money its insane.
There’s another side to hate: Reverse financially dumb hate
Them – I just bought a new 30K car and I have no retirement account – (Financially dumb)
Me- That’s not financially smart but Congrats – (Blunt Advice)
Them – I know, but don’t hate, I don’t need advice, I’m good. (Reverse Hate)
Me thinking inside – Oh YES you do need major advice buddy

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41 J. Money September 12, 2015 at 10:55 am

Haha… truth.

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42 Kristi @ Femme Frugality September 11, 2015 at 9:14 am

Ha! Spot on! This post nearly made me spit out my coffee from laughing. Luckily, most of these haters that I have dealt with are usually just internet trolls.

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43 Michelle September 11, 2015 at 9:37 am

The Haters used to tire me out. Then, I discovered that my process of living MY life ROCKS!! I ride my bike and public transit, am paying off debt, and meal plan. I will be a millionaire…sooner than later and I would consider myself an unapologetically frugal habit person who enjoys world travel. Haters always hate that other people make what they dream about and don’t DO happen. So, I avoid Haters now like the plague…because I can because I no have to work around people who aren’t as inspired and focused as I am. It’s a fantastic feeling.

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44 Will - First Quarter Finance September 11, 2015 at 9:41 am

Oh, man. Sooooo true!!!!! This post is a good reminder to never say comments like these. It’s definitely something to watch out for. Sometimes when we get this PF code cracked, it’s easy to feel superior.

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45 Stefanie @ The Broke and Beautiful Life September 11, 2015 at 9:57 am

LOVE THIS! Thank you :)

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46 Mr. Utopia @ Personal Finance Utopia September 11, 2015 at 10:00 am

“Haters gon hate” – Katt Williams

This post reminds me of the Katt Williams sketch (you can find it on youtube). We need haters! The more you’ve got the better you are doing!!

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47 J. Money September 12, 2015 at 10:56 am

It’s def. a sign you’re doing well :)

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48 Maggie September 11, 2015 at 10:11 am

We just bought airplane tickets! – wait, don’t you save all your money? We save our money so that we can make mindful purchases that are important to us! (and PS, we’ll still retire early!) “shake it off, shake it off” (sorry, I had to… I really don’t like Taylor Swift. I’m a hater)

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49 Chloe September 11, 2015 at 10:11 am

Hahahaha I just laughed far too hard at this!

I get it all the time: You work on your computer, from home? Don’t you get bored?
You travel the world? Don’t you miss your family?
You came home to see your family? Why did you have to come home, what went wrong?

I could go on, but I’m not bitter really ;)

Thanks for sharing!

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50 J. Money September 12, 2015 at 10:57 am

Loving the name of your blog :)

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51 The DeLeon @BYNW September 11, 2015 at 11:33 am

I hear so many of these ideas so often. I have friends that complain about that their job sucks and I tell them to save. They tell me they have no money, but then go fly to Vegas, party it at the clubs, and come home.

When those same friends ask me to go I tell them I will pass. 1) I do not enjoy the party lifestyle of spending money to travel and get trashed, rather do it free at home 2) I am saving for my future life to retire in ten years. Next thing I know they are telling me I am missing out on life, I am being greedy, I am being selfish, I must have come from a super rich family, or I work too much.

All of those comments just get me fired up to work harder!

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52 J. Money September 12, 2015 at 10:58 am

Yessir!

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53 Michelle September 11, 2015 at 12:02 pm

Ha love this! I wish some people weren’t so negative.

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54 J H September 11, 2015 at 12:16 pm

Yep, yep, yep…
But as Captain Picard says, “Set a course…”
Just set your goal, put your head down, and do what you do to reach it!
Happy Friday!

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55 jestjack September 11, 2015 at 12:34 pm

I agree and disagree…..Had a negative experience with a “friend” when they said something looked different about me. When I declared that I lost 11 pounds and maybe that was it….she replied…”well, you certainly had it to lose”….To which I replied ….”Thank you” & “Good Day”….and took her off my Xmas list…Hmmm I drop 11 pounds and she tips the scales @+250….AND I had it to lose….Pretty sure we’re in “hater/low self esteem territory”…
But I’m thinking the term “hater” is often over-used or misused when one has a differing opinion…So if I am not a fan of life insurance for children… And you purchase it for your kids… And I suggest it might have been better to open a “custodial account” in their name at Charles Schwab and deposit those premiums each month….I’m thinkin’ that doesn’t make me a hater….I guess a lot depends on “presentation”…

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56 J. Money September 12, 2015 at 11:00 am

That’s being more helpful and offering another view in my best interest vs trying to tear me down. Hater vs Helpful :)

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57 Joe September 11, 2015 at 1:11 pm

Luckily, I don’t know any haters IRL. I seem to have a following on the internet, though. I guess that what happens when you goes off the reservation.

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58 Jim Wang September 11, 2015 at 2:23 pm

Haters are usually just projecting something they despise about themselves onto others as a way of coping with it.

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59 Kim@MOneyUndertheCushions September 11, 2015 at 3:33 pm

Yep. That about sums it up!
Is that you rollerblading J$? :)

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60 J. Money September 12, 2015 at 11:00 am

It is! Someone must have caught me in the 80’s ;)

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61 Sandy September 11, 2015 at 3:50 pm

I told someone I paid off my mortgage and she said “that is not a smart move, you should have kept it for tax break!

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62 J. Money September 12, 2015 at 11:01 am

*vomit*

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63 Crystal September 14, 2015 at 1:40 am

I wasn’t going to comment since it had been covered, BUT this one sets me off so badly!!! I paid off our rental home about 5 months after we took a loan for our current home. So I get it from both sides!!! “You should have kept the first mortgage for the tax break” and “You were so close to paying off your mortgage and you took another one?!”

F#^%$ OFF!!! AND, TAX BREAKS ARE OBVIOUSLY NOT WHAT YOU THINK THEY ARE!

Kk, I’m done. Thanks. :-)

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64 J. Money September 22, 2015 at 4:27 pm

Haha… let it out sister! It’s a safe zone here!

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65 Dividend Diatribes September 11, 2015 at 5:31 pm

Haha loved this article. Sadly, it’s so true. Gotta try and stay away from the negative people!

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66 Prudence Debtfree September 11, 2015 at 7:46 pm

The guy on the roller blades is hilarious. (Is he supposed to be a hater?) You know what Taylor Swift says about haters, right? They’re gonna hate, hate, hate, hate, hate. So what do you do? Shake ’em off! Shake ’em off!

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67 Prudence Debtfree September 11, 2015 at 7:49 pm

Dang! My daughter just told me it’s “Shake IT off!” I really tried!

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68 J. Money September 12, 2015 at 11:01 am

Hahahhahaha….. you are too cute :)

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69 Jayson @ Monster Piggy Bank September 11, 2015 at 9:21 pm

I know a lot of people who are haters! I just don’t mind them. As long as I am not of them, I am very satisfied with myself and what I have and do.

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70 Generations Thrift Store September 12, 2015 at 8:48 am

Haters gonna hate. LOL

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71 NDQ September 13, 2015 at 12:15 pm

I tend to keep my financial goals and milestones to myself just for this reason. Everyone who isn’t saving/investing/planning finds loads of ways to judge others and justify their own situation. On the other hand, when I hear co-workers or friends complain about their money situation, I listen and force myself not to be judgmental. It’s tough to watch people financially self-destruct.

Now, if anyone asked me for advice, I would be honest. But really, it appears most just want validation that buying that BIG SCREEN TV on CREDIT was a great idea.

NDQ

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72 J. Money September 14, 2015 at 5:05 pm

True dat. Every now and then you get surprised though and they’re like “Woahhhh – tell me what to do and I’ll just do it!” Those times are awesome… Especially if they listen :)

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73 Melanie @ Dear Debt September 13, 2015 at 3:18 pm

All the YES! Why can’t haters just focus that energy on improving their own life?

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74 M/M Kash September 13, 2015 at 5:53 pm

Man, this is true. I feel like, if we are doing the opposite of the majority, we are doing it right. I don’t hate and am glad to help anyone who wants advice, information, etc. But honestly, we don’t talk about a lot about our financial details with friends, family, etc. Latest example, we have friends that wonder we drive the vehicles we do…they all drive newer, shinier rides with their monthly payments. I am more excited about rolling 300,000 miles on both these rides on their original engines…we’ll drive these babies into the ground before we get rid of them…they’ve been great rides. :)

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75 Tony @ Investing Track September 13, 2015 at 10:40 pm

For some reason the most haters seem to target billionaires. Whenever a billionaire posts pictures of his private island or big mansion, you see a ton of comments saying why “so and so didn’t deserve it”. Jealous much.

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76 J. Money September 14, 2015 at 5:07 pm

Right? People don’t get *that* type of rich by accident. My thought is to always figure out a way to get near them or ask them questions/hang out so I can learn how to do the same! Haha… Though sadly I haven’t proved successful :)

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77 Reelika @Financially Wise On Heels September 14, 2015 at 12:18 am

It is unfortunately so true. They always find something complain about. I have found not sharing too much the best way to go.

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78 Michelle September 14, 2015 at 4:49 am

I am reminded by your post of the song of Taylor Swift Shake It Off. Haters gonna hate hate hate. and I shake it off.

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79 weenie September 14, 2015 at 9:15 am

Funny list, J$

Also, haters NEVER have their own blogs because they wouldn’t like a taste of their own medicine! So much easier to hate anonymously!

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80 J. Money September 14, 2015 at 5:08 pm

Haha yeah… There was one $$ blog that hated all over the place back in the day, but it’s been long long gone :)

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81 Revanche September 14, 2015 at 8:15 pm

I was going to mention that one :D

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82 Revanche September 14, 2015 at 8:14 pm

“Rode your bike to work” always makes me ask if drivers are jerks to them, too. We’re supposedly in a really bike friendly place up here in SF and darned if the drivers here don’t drive like they’re in GTA and get points for knocking off cyclists!

ANYWAY, that’s why we blog! At least it’s why I blog – I don’t have time for haters offline, or worse! – for people thinking that I’m doing all this so they can tap me for some cash :) Online I get all kinds of encouragement and good ideas, and no loan applications!

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83 J. Money September 15, 2015 at 7:19 am

Hah!

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84 Akbar Muhammad September 15, 2015 at 5:28 pm

Great article! Well like the song says back in the day “haters are going to hate and players are going to play” just the way it is. Checkout the song an oldie but goodie.

https://www.youtube.com/watch?v=dD9A8x_xn5g

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85 J. Money September 22, 2015 at 4:28 pm

Good one. Forgot about that song :)

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86 Christine September 17, 2015 at 12:30 pm

Love this. It’s all so true!

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87 Melva September 30, 2015 at 9:49 pm

Ok, I’m loving this article. My hubby and I just sold a second home, that we could not sell when we built our current one ( don’t ask). I’ve been about to burst to tell somebody: we used the proceeds to pay off a home equity line, and that takes us from two mortgages, a credit line, and a car payment , down to one car payment and one mortgage! Hooty Hoo!!!!!

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88 J. Money October 4, 2015 at 3:34 pm

HOOTY HOO indeed!! Congrats Melva, that’s so exciting!!

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