Can Sluts Teach Us A Lesson On Personal Finance?

Because every good blog post begins with a rant, allow me to begin mine.

I am not that old of a person. Sure, my 20s are basically in the rearview mirror. I’m tempted to yell at teenagers approximately once a week, but that’s mostly because I’m an easily irritated curmudgeon. I can grow a full beard now, much to the chagrin of my mother, who does not care for said beard. Sure, I’m a grown up now, but I’m not old.

Saying that, in the decade in which I’ve became a grown-up, it seems like I’ve watched the ladies become more and more promiscuous. I’ve watched many of them go out and get drunk, (alas, alcohol is almost always involved) flirt with a similarly drunk dude, and end up having some sexy fun over at somebody’s place. Women used to be labeled as a slut if they bedded a different guy each weekend. Now she’s viewed as sexually liberated. Maybe I’m guilty of looking at the past through rose colored glasses, but it sure seems like sexual promiscuity has become quite normal.

I don’t really have a moral problem with this; I’m nobody’s doting grandmother. Women should be able to do whatever the hell they want, assuming their partner is consenting and no farm animals are involved. I’m typically nowhere near these types of situations, because drunk people generally annoy me. I like promiscuous chicks as much as the next guy, and would probably take advantage of one, assuming I didn’t have to put much effort into it. Yes, I’m even lazy when it comes to casual sex.

But as I get older, I prefer something a little more… structured. Call me old fashioned, but whatever happened to the chase? Whatever happened to the butterflies after the first date? Whatever happened to getting to know someone first? If all it takes is $50 worth of drinks and a few hours of my time to get a girl naked, what are my motivations for respecting her in the morning? Sex has gone from a physical expression of feelings to a simple exchange of orgasms, accompanied by a boost of self esteem, especially for the female. Hey, she thinks, I must be attractive if I can seduce this guy.

How does this apply to personal finance?

This is only a symptom of a bigger issue, our quest for immediate gratification. Want to go on vacation? Screw saving up for it, that’s what credit cards are for. A new car? No problem, just go down to the dealership and finance one. If you have bruised credit, just pay a higher rate. It’s no big deal, it’s only money. You can make similar arguments about the way we eat and the way we need to check our iPhones every time we get an email.

With the exception of the minority we’re part of, nobody saves for their retirement, nobody has an ample emergency fund, and nobody thinks of anything but the here and now. Is this because we’re better than the masses, or because we’ve figured out there are benefits when we save for the future?

With birth control and condoms pretty much universal, casual sex is basically without consequences – assuming you do it right. We all know someone who went without the condom in the heat of the moment and either ended up with a nasty surprise when they peed a few days later or a nasty surprise 9 months later. That is the worst case scenario of casual sex. If looking at a crying, pooping baby doesn’t make you stick a condom in your wallet, you are a special kind of stupid.

What’s the worst case scenario of living in the moment? That’s up for debate, since everybody has their own rock bottom when it comes to their finances. Some people turn their lives around after maxing out one credit card, others won’t blink when they’ve maxed out 3. Some people will finally get their act together after filing for bankruptcy, while others will get themselves right back into financial peril as soon as someone will lend them money again.

Random aside: there seems to be a movement in the blogosphere where people actually think it’s a good idea to finance vacations. I should really do a blog post about that. Talk about living in the moment.

Ladies, I am probably the last guy you should listen to when it comes to your body. Hell, I’d probably sleep with most of my female readers, since I keep striking out with my prospective dates. But maybe you should have similar goals for your sex life and your financial life. Living in the now is all fine and good, but if that’s all you do, you leave nothing for the future. And the next thing you know, you’ll wake up, on the wrong side of 30, without a man or a nest egg. Maybe when that happens, you’ll be desperate enough to sleep with me. I could go for some desperation sex. You know how to contact me.

Tell everyone, yo!

10 thoughts on “Can Sluts Teach Us A Lesson On Personal Finance?

  • March 1, 2012 at 3:36 pm

    lol, I like your analogy. Intercourse without protection can have consequences just like blindly spending without planning out a budget first.

  • March 1, 2012 at 9:03 pm

    Ur secretly becoming my favorite pf blog over GRS and MMM, and its my first time ever commenting on a post. I’m a female in my mid 20’s ur post is right on the money with what I see women doing and its sad. Confidence is not something you can get from someone else overnite and neither is good credit :) Your part above of  “maybe you should have similar goals for your sex life and your financial life” makes alot of sense.

  • March 2, 2012 at 7:27 am

    “Boys look for someone worth sleeping with, Men look for someone worth waking up with” – unknown

    I’m just slightly older than you, but I’m guessing not by much, and I agree that things have changed.  It seems to me that overall, we are delaying maturity.  Growing up, by the time someone was in their mid 20’s, they had their career started, were in committed relationships, buying a home etc.  Now, I know several people in their thirties who still live paycheque to paycheque, and wonder how they are going to find the money for the next video game or electronic gadget upgrade. 

    Perhaps we are becoming a society that fears any kind of commitment to anything personal, yet have become apathetic to “adding another payment” .

  • March 2, 2012 at 8:58 am

    At first I thought you were just bitter about this Taylor Swift/Tim Tebow thing, but you make a good point – tossing everything on a credit card may be good for the self esteem (look at my credit limit!), but isn’t good for anything long term.

    Also, from everything I’ve read it isn’t a good idea to put a condom in a wallet, at least not for a significant amount of time.

  • March 2, 2012 at 11:16 am

    Great post! Delayed gratification is a hot button issue in our home as my husband was never taught to save up or wait for anything. It is difficult for me to deal with. Even though my husband and I are the same age, my parents are from a generation above his parents and I see the same things that he was taught being modeled to those around us.  People my age are still living with their parents because they ‘need’ nice cars and expensive toys as soon as they start collecting a paycheque. It is frustrating for us because we have chosen to have a home and live within our means and it can be hard to find friends since there are few out there that have similar values. 

  • March 2, 2012 at 12:58 pm

    You mean that you don’t like women acting like men of old?  And the worse case scenario for any kind of sex for me would be something killer and incurable, like AIDS. Just saying.

    With finance, delayed gratification is a learned skill. You get better at it as you become more mature.

  • March 3, 2012 at 4:12 pm

    Your desperation for women is so sad.  Nelson, just face the fact you will be alone for the rest of your life.

  • March 4, 2012 at 11:35 pm

    In a reasonable world, men seeking sex could enjoy the sluttiness of the average modern woman, and men seeking wives or even girlfriends could still find reasonably classy women. While I am surprised by the expectation of at least an occasional random hookup, it does seem that a number of women are still looking for relationships, and sex within the relationship. So I don’t think it’s completely gone. I’d tell you to enjoy the sluts along the way, but in our messed up legal system, when a drunk man and a drunk woman have consensual sex, and the woman regrets it later, it can get termed rape and ruin his life. So I’d keep girlfriend-hunting.

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