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 What is a financial mistake that you wish to undo?

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sakuraboo
post Jun 25 2025, 10:48 PM

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Idk maybe feel kinda poor give most of my money to my dad to help "invest"

Hahaha

Maybe it's still growing somewhere who knows
westernkl
post Jun 25 2025, 11:42 PM

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QUOTE(Fantasia @ Jun 25 2025, 10:02 PM)
I regret for not refinance my mortage with high interest much earlier. Paid buta-buta for 7 years baru refinance.
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Me too
MasBoleh!
post Jun 26 2025, 01:50 AM

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QUOTE(Fantasia @ Jun 25 2025, 10:02 PM)
I regret for not refinance my mortage with high interest much earlier. Paid buta-buta for 7 years baru refinance.
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but refinance need to pay the paperwork fees. Is it really worth it? how high were the interest rate of your mortgage loan?
Avangelice
post Jun 26 2025, 09:58 AM

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QUOTE(Fantasia @ Jun 25 2025, 10:02 PM)
I regret for not refinance my mortage with high interest much earlier. Paid buta-buta for 7 years baru refinance.
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What was your previous interest?
HolyCooler
post Jun 26 2025, 12:52 PM

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I knew about bitcoin when most people didn't know about it. A guai lou friend came to me and told me about this bitcoin thingy and told me he sold it for usd10 (he knew i bought a RTX 295 and told me he also using the same GPU, but was for farming bitcoin).

After x years he came to me again, that time bitcoin was around usd 100+, he told me he regretted sold the bitcoin for usd10. He already stopped farming bitcoin after he sold his first farmed bitcoin for usd10.

When bitcoin up to usd300+-, he came to me again and we chit chat abit.

Damn! He was like an angel kept coming back to contact me to inform me i should look into this bitcoin thingy! If i could spend a bit of time to understand it and purchase a few biji of bitcoins that time, i might add a few millions into my net worth...
WongTheThief
post Jun 26 2025, 02:48 PM

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Lend about ~RM1k to one m guy and never able to recover the money since

It's a long story I don't wanna type entire essay out, so basically tldr never lend money to someone else:
» Click to show Spoiler - click again to hide... «
cms
post Jun 26 2025, 03:57 PM

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QUOTE(HolyCooler @ Jun 26 2025, 12:52 PM)
I knew about bitcoin when most people didn't know about it. A guai lou friend came to me and told me about this bitcoin thingy and told me he sold it for usd10 (he knew i bought a RTX 295 and told me he also using the same GPU, but was for farming bitcoin).

After x years he came to me again, that time bitcoin was around usd 100+, he told me he regretted sold the bitcoin for usd10. He already stopped farming bitcoin after he sold his first farmed bitcoin for usd10.

When bitcoin up to usd300+-, he came to me again and we chit chat abit.

Damn! He was like an angel kept coming back to contact me to inform me i should look into this bitcoin thingy! If i could spend a bit of time to understand it and purchase a few biji of bitcoins that time, i might add a few millions into my net worth...
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Lost faith in BTC now ?

Imagine in 2035, this convo is repeated. From 100K become 500K ?
gashout
post Jun 26 2025, 05:02 PM

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nothing to undo...

life experiences teaches us along this journey, make sure you don't repeat again, and it's never too late to invest whatever you have missed out.
Fantasia
post Jun 26 2025, 08:29 PM

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QUOTE(MasBoleh! @ Jun 26 2025, 01:50 AM)
but refinance need to pay the paperwork fees. Is it really worth it? how high were the interest rate of your mortgage loan?
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If I pay according to term, I will still save 18k even account for the legal and la valuation fee, not a lot. Could have saved much more if I refinance earlier. Interest rate was 5.25%, after refinance, 3.95%

QUOTE(Avangelice @ Jun 26 2025, 09:58 AM)
What was your previous interest?
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It was 5.25%, now 3.95%
MasBoleh!
post Jun 26 2025, 08:31 PM

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QUOTE(Fantasia @ Jun 26 2025, 08:29 PM)
If I pay according to term, I will still save 18k even account for the legal and la valuation fee, not a lot. Could have saved much more if I refinance earlier. Interest rate was 5.25%, after refinance, 3.95%
It was 5.25%, now 3.95%
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Indeed a big difference in term of the interest rate. paham
ridin
post Jun 27 2025, 10:14 AM

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QUOTE(netflix2019 @ Jun 20 2025, 06:47 PM)
Why dont sell ur audio stuff u not using?

I half masuk audiophile. End up now use bluetooth earbuds only so i can do some workout while watching movie. Lol
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So far only managed to sell off a few. Thing is with ChiFi the products keep pumping out with speed. The IEMs bought 1-2 months ago would have passed the hype stage and replaced with a new shiny. mega_shok.gif

Now I sometimes get really itchy to buy new ones to try but not crazy like last time anymore.

________________

Perhaps another financial mistake I had was listening to a millionaire friend to invest in a particular stock. My advise is to do your own homework instead of blindly following. In my case, this guy was really close to me and he had good investing returns. However I later realize that most of these people had invested earlier before they inform others, and you become their bag holders. There were a bunch of IPOs that he was privi to but has never offered me any opportunity to get in early on the pretext of "its risky". I did not lose too much but its something I wished I had put more thoughts into when I was younger.
Hansel
post Jun 27 2025, 04:44 PM

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Looks like Bitcoin investments stand out to be quite a 'big regret' in topics like this worldwide.

But forummers,... we must understand,... this is a hindsight matter. We can't regret on misses because of hindsights. Instead, we must cherish our prudence and cautiousness that we have not lost money in case BTC turned south, though,... the reverse happens for this particular case.

I tell myself the same thing too as in the above,.. though, I also, at times,... say to myself : 'shld have invested into BTC earlier',....
GGmalaysia
post Jun 27 2025, 05:25 PM

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QUOTE(badmilk @ Jun 23 2025, 03:07 PM)
Health ok kua- coz covered via life and medical insurance

Poor and jobless in age 40/50?

Wow must have suck

Donno - haven’t reach there yet-

By design my time now worth quite alot - hope it doesn’t lose value then

Epf can cover kot- estimated to have 4/5 million then - campur isteri punya maybe around 10m
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WTF? already have wife but still fucking around?

my worse regret is not missing the nvidia or btc boat, but investing my money in sapura kenchana and umw oil and gas. fuck that shit. i lost close 50k over there
Nutbeater69
post Jun 27 2025, 05:52 PM

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QUOTE(hbm90 @ Jun 22 2025, 01:15 PM)
I bought Neo, icx and the ultimate shitcoin, substratum, saw it run all the way up to $3 without selling 😅
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Noooooooo if you just stick to BTC u easily 30x your networth.

I bought NEO previously and got burnt badly too. In the end I gave up and convert everything BTC
Nutbeater69
post Jun 27 2025, 06:05 PM

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QUOTE(Hansel @ Jun 27 2025, 04:44 PM)
Looks like Bitcoin investments stand out to be quite a 'big regret' in topics like this worldwide.

But forummers,... we must understand,... this is a hindsight matter. We can't regret on misses because of hindsights. Instead, we must cherish our prudence and cautiousness that we have not lost money in case BTC turned south, though,... the reverse happens for this particular case.

I tell myself the same thing too as in the above,.. though, I also, at times,... say to myself : 'shld have invested into BTC earlier',....
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Actually it’s quite obvious BTC would thrive if you’re into tech.

The network is a huge factor in it. But most people dismissed/overlooked the network and claimed it doesn’t have intrinsic value when you shouldnt compare stocks and crypto.

Stocks = business (cashflow)
Crypto = money (network effect)

Everyone can create a Bitcoin 2.0 coin but nobody will have the same huge network effect to the original Bitcoin. Most people can’t understand it sadly

This post has been edited by Nutbeater69: Jun 27 2025, 06:07 PM
teacherharvard
post Jun 28 2025, 12:20 AM

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invest in speculative stock, adviced by mom.

still.holding. lost maybe RM30K at least
teacherharvard
post Jun 28 2025, 12:45 AM

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This post has been edited by teacherharvard: Jun 28 2025, 12:45 AM
Singh_Kalan
post Jun 29 2025, 04:39 PM

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Hindsight is always 2020, foresight is always blind.
No need to regret on something that is so obvious now.
tenkorak
post Jun 30 2025, 12:46 AM

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regret? forgotten my hard wallet passphrase from 10 years ago. basically everyone in r/crypto lol
buffon11
post Jul 1 2025, 03:46 PM

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Regret for not learning more on mining & BTC earlier.
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