What's the dumbest thing you've seen someone do with money? For many people, the answer comes quickly: buying things they can't afford, blowing windfalls, chasing hot investments or upgrading their lifestyle before their income can support it. Stories of million-dollar waterfront homes, luxury cars on long loans, payday advances and blown inheritances all point to the same pattern of emotions first, math later. That was the tone of a recent discussion on Reddit's r/DaveRamsey forum, where users shared r ...