A short YouTube anecdote by Ramit Sethi about a moment of financial shock: the speaker attempted to pay both joint and personal credit cards and found there wasn't enough money. After investigating, they discovered most spending was predictable but that surprisingly large amounts were spent on phone-game purchases (e.g., $20–$30 credits), which contributed to the shortfall.
For me, it was that I couldn't pay the bills. And the first time that it happened, do you remember that moment? I would go in to pay our joint credit card off and my personal credit card off, and there wouldn't be enough money. And so I would look and say, like, why don't we have enough money? I just freaked out. So then I did a deep dive and found all of what he was spending on. And most of it was predictable. But there were a few things that surprised me. Like, at that time, it was phone games. Like, you know, when you pay $20 for credits or $30. So how much he was spending in a month on phone games was very surprising to me.
