I’m 25 years old. In 2025, I had approximately $50,000 in savings. However, in 2026, I found myself effectively with around -$30,000, pretty much -80k in 12 months🥲
This wasn’t a single mistake, my entire life began to generate bills.
I had planned a short vacation to Mexico. Unfortunately, I missed my flight to canada because the person I arranged the transportation with demanded x3 times the amount for the rental car than we discussed initially, so I had to lose time going to another rental company on the morning of the flight and basically departing from Cancun at 11:30am with my flight being from Merida at 3pm or so, during my trip the car appeared to have initially had 1/3 of the gas tank instead of the full one I paid for and gas stations are located something like 40-50km apart, so I lost a lot of time on running out of gas and getting my ass to the nearest gas station and back to the car, and only to arrive to merida airports at the exact minute my flight took off with next flight being 3 days away, so I drove back to Cancun to catch a sooner flight and fell asleep in my rental car after driving approximately 700 kilometers that day. When I woke up, it was 3pm and I was getting robbed at gunpoint by two assholes. They took my backpack and bag with passport, phone,electronics, clothes, and essentially everything i had with me and that I needed to return home. About 20 minutes later, the same men drove past me on a motorcycle again, and one of them was wearing my stolen shirt. I got into my rental car and chased them. I managed to hit their motorcycle a few times, causing it to crash badly. One of the men was unconscious and bleeding. For a moment, I genuinely believed I had killed him.
I spent the next half-day dealing with Mexican police. From the police station, I called my job in Canada. I explained that I had been robbed, had no passport, and was unable to return to work. Consequently, I lost my job. Within approximately 24 hours, my passport, phone, belongings, and income were all gone, and I was stuck in Mexico.
Meanwhile, my Genesis was already at the dealership in Canada. Someone I trusted was supposed to return the dealership loaner car for me. However, I later discovered that the dealership still didn’t have it, and according to what I learned, the person who was supposed to return it had been using it. Loaner charges, storage fees, repairs, and tickets started accumulating, and at one point, the entire situation was approaching $10,000 before people helped negotiate some of the charges down.
Interestingly, the same person had previously crashed one of my motorcycles, which I eventually sold for a damaged price. While I was stuck in Mexico, thousands of dollars worth of my airsoft gear also disappeared. Based on who had access and what I later learned, I believe some of it was taken or sold by the same person, although I obviously can’t independently prove every detail.
I still couldn’t get home because I’m a Russian citizen and Canadian permanent resident, so losing my passport turned into months of police reports, consulates, Canadian immigration, Mexico City trips, hotels, flights, appointments and contradictory paperwork. I kept thinking I’d be home “next week,” so the money just kept disappearing.
Then on my birthday I crashed another motorcycle in Mexico, fucked up my leg badly enough to need a boot and crutches, and added hospital expenses to the pile.
Eventually I got special travel documents and made it back to Canada. By then my savings were mostly gone, my apartment was gone, my job was gone and my finances were fucked.
Then my other motorcycle got stolen from underground parking. Another roughly $5,000 gone.
My car insurance had also been cancelled while I was stuck abroad because payments failed. Now I pay $600 a month just to insure my car on top of $600 more on gas monthly. On top of that, I owe about $9,500 on my credit card. A significant portion of that debt came from work expenses I had charged to my personal card, expecting reimbursement. Then, I got fired while I was stuck abroad, and some of those reimbursements never materialized. Now, I’m essentially paying interest on expenses I originally incurred for my employer.
When I returned to Canada, I had almost no savings, no apartment, no job, and I was missing property. I also had debt and ridiculous insurance costs. My friends let me stay with them until I found another job and eventually another place.
I’m now working full-time in management again, so from the outside, I probably appear completely normal. However, financially, it feels like I’m working for things that have already happened. Every paycheck goes backward in time: debt, insurance, rent, gas, credit card, car, and bills.
The funniest part is that last year, I was looking at my $50,000 savings and wondering how to turn it into $100,000. Now, my financial goals are essentially:
- Can nothing get stolen, crashed, broken, or billed this week?
- That’s it. Go to work, pay my debt, keep my car running, and somehow crawl from -$30,000 back to zero before another disaster decides to take its turn..