I've lost money due to sheer stupidity. Not once, not twice.  I'd like to say I didn’t know any better, but I did. I ignored my instincts. My brain works in mysterious ways sometimes. I often act quicker than I think. Every day, I'm learning to take a moment before replying to a text or committing to something or someone. I'm also learning to think twice and be cautious before sending money to anyone. Believe me, taking a deep breath helps in making better decisions. A simple "let me think about it" response to anyone asking anything of you goes a long way. And research honey, will save you a lot of trouble.