I’ve seen the discussion before. Personal finance is so easy to learn. Actually it isn’t there are a lot of details to know. In my experience, yes, both. Compounding, easy. Optimizing all the things, hard.

We’ve had some big and small mess ups over the years. I’d love to hear what big and small ones others have had, in part to commiserate, in part to learn, and in part to vent. I don’t mean things that are “hindsight is 20/20”. I mean just actual straight mistakes.

Here it is my list of our financial mistakes past:

Renting out a property a few months too long to call it a primary residence when sold. Loss: approx $35k

2.Underpaying taxes across our W2s: Loss: penalty of approx… I forget, but it was rather high, and we have to be so vigilant every year now.

Paying off extra low cost mortgage instead of investing. Loss: About $13k over two years.

Investing in a Roth IRA in a few of our highest tax years.…