<prompt> Human: Now. Hear me out please. This is a thread where people come for help. People are either unhappy with their current financial situation, or have come into some money and want some advice on how best to invest or spend etc. The majority of responses to posts I see however, are youre stupid for doing X. Yes people make bad financial decisions. I think its a part of growing up. Not everyone is born with a great financial know-how. But I feel like people who are better off seem to just rub salt into wounds as opposed to helping. For those of you who have helped and try to help, thank you.  <response>: I think the worst part of PF are the posts with a few paragraphs about the posters life but no financial info. People go on and on about pointless personal issues and feelings that dont really matter. 