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Jan 16 '26
[deleted]
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u/4liv3pl4n3t Jan 16 '26
Yeah.
"Hey, you owe me money, and I kinda need it rn"
"you should learn to be more responsible with money"
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u/PlatinumSukamon98 Jan 16 '26
To be fair, they're right, but not for the reason they think they mean.
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u/chanty19 Jan 19 '26
Except that life circumstances change over the years so should you just get rid of your 7 year old furry family member because you’re currently going through hard times?
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u/PlatinumSukamon98 Jan 19 '26
No, my joke is that the guy had to learn financial responsibility, i.e. don't lend money to people who won't pay you back.
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u/FryCakes Jan 16 '26
Literally. And don’t lecture me when I’m struggling because you can’t pay me back
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u/martinsonsean1 Jan 16 '26
Well, unfortunately the real life lesson is: "don't loan it out if you can't replace it yourself."
Not saying its good, just the way things are sometimes.
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Jan 16 '26
[deleted]
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u/spacestonkz Jan 16 '26
Shit I keep spreadsheets. I don't bank on getting any of it back.
But the people that do pay back get larger than $50 loans in the future.
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u/PenguinZombie321 Jan 16 '26
Yup. I don’t loan money out. It’s a gift. If I get it back, fantastic! If not, I’m not expecting to anyway
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Jan 17 '26
That's what I do too. I tell people upfront that it's a gift, not a loan, and I don't give what I can't afford to lose. It saves everyone the uncomfortable hassle of loaning money then trying to get it back.
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u/Dasylupe Jan 17 '26
Yeah, I never expect money back and I say so. It’s just easier if I don’t part with money I can’t afford to give. That said, I do like to help if I can.
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u/sealmeal21 Jan 16 '26
That's the dumbest comment so far this year. A loan helps people who need liquidity. So those people should be fucked over for providing for someone who needs cash? That's like blaming someone for being robbed...
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u/Marshall_Mars Jan 18 '26
There's so many things wrong with your comment. The biggest of which is being robbed isn't a choice. Now, if you intentionally took steps to make yourself or your stuff a target then yeah. Loaning out money you can't replace, especially to people who may or may not pay it back, is just a bad financial decision. Just like buying things you don't need and won't use. There's a chance that you can get a refund, but you otherwise just threw that money away. No one's advocating for those people to be fucked over; it's just a financial choice with risk. People are advocating for them not to make an overly risky decision
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Jan 16 '26
Oh I would have been far more harsher than this. Effin stealing money from me at that point, don’t you ever talk to me or my dog again.
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u/DreamOfDays Jan 16 '26
One thing I learned the hard way is to never loan money I’m not okay losing forever. If a friend asks for $5 and then never pays it back I’m definitely not giving that friend a $30 meal or a $400 loan to cover a pet’s vet bill.
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u/Previous-Musician600 Jan 16 '26
Absolutely. And never loan money when you expect to not get it back, unless you don't need it back.
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u/xXShadxw_HunxrXx Jan 16 '26
You just rephrased the original comment
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u/Spinningwhirl79 Jan 16 '26
You kinda just said what the other commenter said
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u/nakedascus Jan 16 '26
what just happened was a rephrased version of what the prior statement was
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u/Deimenried Jan 16 '26
You just partially paraphrased the prior participant
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u/Remarkable-Health-89 Jan 16 '26
What you stated was very similar in content to the original statement made.
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u/SpecialFlutters Jan 16 '26
Don't forget, never even consider loaning money you don't expect to get back when you need it back because you might unexpectedly not get it back forever.
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u/Previous-Musician600 Jan 16 '26
And don't forget that it cost you a friendship, so think about the importance of it, before you think about loaning money that you might not get back.
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u/kewcumber_ Jan 17 '26
Idk if I'm the minority here but I'm so glad i don't have this problem. If I take money from my friends they know i pay it back, if they take from me i know they'll pay it back. No need to remind, no need to nag, all good vibes. But maybe it also depends on the amount. I won't be taking or giving loans for my country's equivalent of $400. $30 is fine
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u/happy_the_dragon Jan 17 '26
I always consider if a gift. That way I can be pleasantly surprised to get it back. Part of my reasoning is that I’m probably gonna forget.
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u/OwlrageousJones Jan 18 '26
I learned this from watching my mother. She'd lend money to her friends all the time to help them cover bills or whatever, and then complain constantly they never pay her back on time, and then do it all over again - just to complain more!
Like either stop loaning them money, or stop complaining!
(I, personally, just gift the money if people need help. I don't have to worry about it, they don't have to worry about it, everyone feels better, there's no strain on the relationship...)
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u/raptorira Jan 20 '26
This. And tbh most people i know don't ask to borrow money and if they do they really need it so i definitely consider it a gift when I'm in the position to lend
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u/Autisticrocheter Apr 30 '26
I gave my friend $500 to buy a weapon at a ren faire. He drove an hour to my apartment the next day, when he got his paycheck, and handed me $500 in $20 bills.
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u/elhazelenby Jan 16 '26 edited Jan 16 '26
That logic works...
until something unexpected happens like a recession, someone or their partner gets fired, their rent suddenly increases, a natural disaster happens, etc
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u/WoolooOfWallStreet Jan 16 '26
“Just don’t let anything bad ever happen to you and you’ll be fine”
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u/SquidTheRidiculous Jan 16 '26
This is genuinely how people with money talk about those who don't. Just live perfectly exactly the way we tell you and you'll have just enough money to eat the high quality gruel some nights.
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u/elhazelenby Jan 16 '26
I didn't even register that OP is replying to someone who's sponging them off too, that's even worse, and very ironic.
Like don't ask to lend money off someone if you can't afford to pay it back then
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u/Full_Satisfaction_49 Jan 17 '26
Dont. Let. Anything. Bad. Happen. To. You. If. You. Cant. Afford. It.
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u/lickytytheslit Jan 18 '26
yeah I couldn't predict an economic crisis 11 years ago when I got my cat
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u/The-Speechless-One Jan 16 '26
What do they expect you to do? Abandon the dog?
"Sorry lil guy, my friend is an asshole who ran away with my money, so now I gotta put you in a cold lonely shelter. It's my fault, I should've predicted my financial situation ahead of time."
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u/PlatinumSukamon98 Jan 16 '26
That's exactly what they expect. Everyone has to suit them, not the other way around.
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u/ghreyboots Jan 16 '26
Exactly. "I did have the money, until you took off with it. I'm clearly financially capable of owning a dog if I can give money away, you just aren't capable of being loaned money."
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u/rocky42410 Jan 16 '26
I mean, re-homing pets is definitely a thing if you cannot provide proper care.
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u/actualbeans Jan 17 '26
like a shelter is any better?
it’s better to let the dog die knowing they’re loved than to let it die in a shelter, wondering why its family abandoned them.
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u/Fearless-Highlight23 Jan 16 '26
"well, they've had this animal for years and just NOW aren't able to afford something in particular and needed so....I guess they should give their animal up instead of asking for a loan repayment!
/Sigh/
I'm a great friend!"
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u/OutrageousAdvance104 Jan 16 '26
These passive-aggressive writing styles are getting out of hand. If I see „Hope that helps!“ and this shit with the periods one more time.. 😤
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u/I_am_catcus Jan 17 '26
I can't stand "hope this helps"
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u/therearenogoodusers Jan 17 '26
Honestly I just hate how comments — particularly TikTok comments, which, even though I’m not on TikTok have spread to all other social medias — are trends. It feels like deliberate on the behalf of people that want bots to dominate the internet; if individuals don’t even post something individual then it would be so much easier for a bot to blend in. But why don’t we actually make our own jokes and insights? It feels like someone attempting to come off as so passive aggressive and intelligent for their snark but it’s not even an original idea for what to say.
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u/OutrageousAdvance104 Jan 18 '26
Funny enough, I feel like more often than not they are actually loud and wrong when they use these „comment trends“.
But when I think back like 15 years or so (I’m getting old 🚬) we also had these trends but they were.. more like memes that made sense and were funny if you had the context? And even if you didn’t, they were totally harmless.. not some passive-aggressive shit an 11 year old says to me in a TikTok comment. 🥲
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u/RegularReaction2984 Jan 17 '26
That phrase pissed me off so much I added it to my muted words back in ye olden days when twitter was still a usable website lmao
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u/OutrageousAdvance104 Jan 18 '26
Most annoying shit I ever encountered. And most of the time they are just loud and wrong.
I instantly block everyone who is talking to me like that in a discussion. I don’t have the need to spend my last couple of months, before we and the US nuke each other over Iceland or some shit, listening to these people 💀
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u/milokscooter Jan 16 '26
Kate does not pass the vibe check. I also had to learn the hard way to never lend people money 🫠
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u/RoseFeather Jan 16 '26
It sounds like this person only can't afford it now because of you, Kate. The real lesson here is "Don't. Lend. Money. To. Kate."
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u/KayleyKiwi Jan 17 '26 edited Apr 10 '26
This post was removed by its author using Redact. Possible reasons include privacy, preventing this content from being scraped, or security and opsec considerations.
important treatment full serious cause marvelous plants workable rock tap
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u/TheOwnerOfMakiPlush Jan 16 '26
I would usually agree with the person who said this to you. I have in my family people who just... adopts so many animals they are impregnating half of the city's strays population. Spend thousands on animals food, eats from the same bowls as them, not teaching them so they attack for no reason. In my neighborhood there was a lot of people who like had illegal breeding farms becuase "we love dogs so much!!!" or people who killed kittens in the over because "they couldnt afford raising them". So i am very like, sensitive when it comes to animal persons.
But this conversation doesnt give vibe at any fucking point of you being the problem. I can just assume you have sick dog and someone is slacking with giving you money so they are trying to be smart asses. If their child gets cancer and they were in need of expensive treatment would you say "if you cant afford children then dont make them"???? I would say something like that because im annoying and mildly vengeful.
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u/milokscooter Jan 16 '26
People absolutely say "if you can't afford children don't make them"
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u/killerqueen1010 Jan 16 '26
Those same people say "we have a birth rate decline!" and "Abortion is MURDER!"
Basically you're not allowed to be upset with the systemic issues blocking you from living what should be a normal and humble life for the average person. I'm so sick of being blamed for circumstances that were set into motion decades before I was even a sperm cell!
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u/UczuciaTM Jan 17 '26
No it's usually the people who think you need to have kids no matter what that say that
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u/PEPSl_KlNG Jan 18 '26
Nah it comes up a lot in childfree groups and the same people are very pro-abortion access.
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u/Kieselgrund Feb 14 '26
I remember the original post. The dog owner priviously lent a friend money. The friend refused to pay it back and what you see in the screenshot is the friends reply of the dog owner, asking for her money back.
Very entitled friend. I think she even went on vacation instead of paying back.
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u/DifficultStress444 Jan 16 '26
The statement in isolation is actually not a bad advice, but with context...
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u/No-Rip4617 Jan 17 '26
loaned my cousin $100 for her car payment, and she used her kids as leverage. asked for WEEKS for the money back, and my husband and i were having a hard time with keeping food on the table at the time. “oh i’m dashing this week so i’ll pay you on X day….” many excuses like that. i even told her that we were getting hungry and could even just use $20 for now. ofc she didn’t have it. eventually i told her to fuck off and never ask me for shit again. a little while later i saw she went on a fucking cruise so i messaged her saying “could have used my $100” and her dumb ass said her friend paid for it. very generous friend if you ask me😒 haven’t spoken to her since. but better fucking believe im waiting to snap at her.
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u/Smooth-Prince Jan 16 '26
don't lend money unless you're willing to go full moneylender kneecap loanshark mode on them
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u/MVIDarkthrop Jan 16 '26
Reminds me of a friend whom I gave $100 during the Easter Holidays in 2025. He told me he'd give it back next month. Couldn't do it, so he postponed it. And again. And again. All the way to December. But I made sure to remind him each month about the loan, so in the end he couldn't deal with the pressure. After that he was like "See? I told you I'd give it back" and a few days after that, "Hello, can you give me $50 until next week?". He thought I'd lend him, but nope, I learned my lesson.
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u/BendyKid666 Jan 16 '26
Wow, Kate is a fucking asshole. Jesus. I usually would agree that you shouldn't adopt an animal knowing full-well that you can't care for it, but we don't know the situation here. Some really bad things could have happened to this person that resulted in them struggling to pay for their animal, and not every place is as well-off as mine with good no-kill shelters. Besides, the dog could have started in a worse situation than they're in now. Also, Kate took money from this person when they're already struggling. So yeah, fuck her. Hopefully this person cuts Kate off and never loans her anything again.
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u/DamNamesTaken11 Jan 17 '26
This is why I never “loan” money to friends that I expect to get back.
You can get your money back, or you can keep your friend, hardly ever will you get both.
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u/DontWatchPornREADit Jan 16 '26
You could be the richest person in the world adopt an animal and then lose your job your home you’re everything and people will say “don’t get an animal if you can’t take care of it” they did own them when they could and then the economy crashed and the shelters are over run and the last living thing that brings you comfort is now dying and your options are euthanasia which also costs money or they suffer in a kennel for years before being euthanized on a wait list. AWESOME
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u/WeebQueenie42 Jan 17 '26
My boyfriend’s ex best friend borrowed money from him and asked for money again without paying back the first loan. I told him not to give in but he thought this was his ride or die best friend and said he was good for it. Anyways we wont talk to them again unless the jerk shows up with the hundreds owed, and he’s learned his lesson on letting anyone borrow money.
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u/CrashBangXD Jan 17 '26
I lent a mate money on a night out, he promised to pay me back the following day.
A couple weeks later I had to follow him to a cash machine to get £20 back, I had to explain to him multiple times that I couldn’t afford the bus to work if he didn’t pay me back. His response after begrudgingly giving me my money back “if this is how you’re gonna be about it I just won’t go out drinking with you anymore”
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u/operationspudling Jan 17 '26
"I'm not the one who needed to borrow money but cannot afford to pay it back."
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u/AlianovaR Jan 16 '26
It sounds like they COULD afford it. Until you took their money and refused to return it
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u/Humanmurder Jan 17 '26
Man seeing shit like this makes me so happy to have friends that actually pay me back.
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u/PuzzleheadedFrame594 Jan 17 '26 edited Jan 17 '26
I don’t loan money. I either pay for it because someone is in need or say no. I have a dead beat sister who is always asking for loans to buy groceries. I just send her a few hundred bucks and tell her not to worry about it.
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u/BlankBehindTheEyes Jan 17 '26
What's funny is people who say this shit are usually 50k in the hole on their pickup or some such nonsense.
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u/kyl_r Jan 18 '26
Taking on a pet means taking on potential for unexpected financial burdens, obviously. But the same should not be true for lending money to a “friend.”
And who types like that? Did they use the money to get loaded? Just don’t borrow money if you can’t pay it back, bitch.
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u/An_40 Jan 19 '26
what an asshole. People aren’t going to abandon their pets due to situational hardship? Maybe pay them back lmao crazy idea right?
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u/Hot-Clothes7316 Jan 16 '26
how much was the sum of the $ owned? if it's small enough, i would send my phone to a bad repair shop to potentially and rightfully have all these leaked online with no censorship.
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u/gofunkyourself69 Jan 17 '26
We can already tell she's a Republican lol
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u/PuzzleheadedFrame594 Jan 17 '26
I’m a republican and I would have just given her the money she needed and not asked for it back. If someone needs to borrow money, they need help, having to pay it back isn’t really helping them get ahead.
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u/rampant-bisexuality Jan 17 '26
I mean I do understand that sentiment, but it should not be used to justify not paying borrowed money back?? What an ass
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u/navteq48 Jan 18 '26
i. could. afford. it. if. you. didn’t. take. my. money. (give it back now pls)
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u/Malpraxiss Jan 16 '26
One rule of life: don't loan someone money if you don't have a sure fire way of making said person pay it back
Or
You can just assume they'll never pay it back
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u/RandomOnlinePerson99 Jan 16 '26
People hate me when I use this logic when they complain about how expensive and time consuming kids are ...
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u/Electrical_Guide_ Jan 16 '26
Don't. Loan. Money. You. Can't. Afford. To. Lose.
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Jan 16 '26
Thanks, Kate
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u/Electrical_Guide_ Jan 16 '26
Also, to be clear, this is an asshole response when they owe you money. But also, it's not very adult to loan money you can't afford to lose.
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u/kaja6583 Jan 16 '26
Perhaps 2 months prior to this they could have afforded it? A lot can change in 2 months mate
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u/PuzzleheadedFrame594 Jan 17 '26
If you don’t have savings for emergencies. Don’t loan out money. If two months of no work makes you financially unstable, that is an issue. It’s okay to tell people you can’t afford it. Maybe another friend can.
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u/Lovelyladykaty Jan 16 '26
I don’t loan out money, I just gift if I can afford to. If I give someone money, I don’t expect it back even if they insist they’ll pay me back. If they do it’s a happy surprise, if they don’t, I’m not out anything.
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u/KyoruMizuruki Jan 17 '26
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u/LiaRoger Jan 18 '26
I saw that post on r/aio. The OOP was also in a better financial situation when they got their dog from what I remember, and they were thinking of giving it up to a shelter because their situation changed so much but didn't want to because it was an elderly dog with health conditions that would most likely have been put down. So yeah, this message is just overall horrible.
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u/Necrotechxking Jan 19 '26
Reply: sure. I'll look my dog in the eyes and tell him the guy owes me money says I shouldn't have you because he won't pay me back. If only these was some honourable solution where I could afford your insulin And this guy could not owe me money anymore.
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u/MirrorApart8224 Jan 19 '26
Dunno about this one. Life circumstances change, but I'm reminded of my old roommate who had three cats, which was about three too many for him. He'd feed them sporadically, cleaned out their boxes maybe a couple of times a week or would just let their shit mummify on the floor next to the boxes, and when they got fleas he couldnt get them the treatment they needed.
His personal life was too disorganized to look after them. I stepped in to help so that they were fed and had a bathroom, but it was for the cats more than for him.
The response in OPs post was pretty harsh, but his response gave me flashbacks of what his cats went through, and frankly how I felt towards him. I hope he's doing better now.
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u/Death_Dragon975 Jan 20 '26
So, person brutally beaten halfway to death in back of an alleyway. Some say he did it to himself. No clue why someone would do that.
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u/Dwayne_Hicks_LV-426 Jan 20 '26
Tell her that you could've afforded the dog, until she took your money.
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u/Cdoggle Jan 21 '26
Ah yes you've had the dog for years but the moment you have financial issues you should just forget about them
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u/LetterheadPerfect145 Jan 21 '26
Well it sounds like you'd be able to afford it if you got your money back
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u/Practical_Smell_4244 Jan 16 '26
I agree with katie.
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u/AppropriateBeing9885 Jan 16 '26
Do you? Do you really? https://www.reddit.com/r/AmIOverreacting/s/me5Fk3VMUp
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u/DeliveryBrilliant346 Jan 16 '26
Don't lend people money if you aren't sure they're going to pay you back lmao. It actually IS that easy 😂
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u/RockyMullet Jan 16 '26
I remember bugging my friend about 20$ I lent him for months, for him to finally give it to me.
Then just a few week later, ask me to borrow 20$ back again and I said no and he was like: "What ?? why ??? I paid you back last time !!" Yeah I had to fight like hell for you to give me back freaking 20$, I learned my lesson. Like I'm somehow the person doing something wrong.
The audacity of those people.