The title of this post lists the 4 cornerstones of being Financially Fucked by 35. The best thing about this is that anyone can do it. You don't need share dealing accounts. You don't need savings. You just need an inability to accept your own financial reality and a willingness to borrow other people's money. Having multiple children allowed me to go from a stable, fiscally responsible young man to a complete debt-ridden recluse in less than 6 years. I can think of no greater way to fuck yourself with more efficiency than to keep having babies. Having kids acts a cost-multiplier to all of your other spending activities. Want go grab a pizza on your new 0% spending credit card? Fuck it, why not go grab 6 pizzas instead?