Me for example:
I lost all my friends I ever had, and I deliberately disregard women (not that I care!). I don't donate (I'm not giving away MY money to charity or strangers!) and I certainly don't tip.
I was financially reckless and naive, but learned a very big lesson... I am now making more money that I thoughtlessly lost, and becoming financially GREEDY! I vow to be the next Ebenezer Scrooge (without the redemption of course)! πππ¦π°π΅π²