Needless to say, he is a teenager and I was probably ruining his life by giving him this advice!

Drives me crazy when I see even a high end tile job and then they slathered caulk all over the place, ruining what would have been a quality installation.Im going to make a couple videos one of these days soon.

Sorry if that's disappointing - it's just the nature of the world.If the goal is to separate REI from it's nature as a business, you may want to change the name of the site to "Smaller Pockets" - because that's what will result.You won't be helping people become successful, you'll be helping them build their own financial ruin.

From then on, consumer debt has ruined more lives than crack. 

Had too many ripped ruined and burned to do that,,,plus it is slick with snow on your feet.

I've seen indoor rabbits chew/ruin baseboards, elect cords.

The pressure of HAVING to make an interest payment can ruin the deal for everyone (potentially) as opposed to paying a solid return in the event the cash flow is there to make the return. 

Because I really don't want her 2 big dogs ruining my newly landscaped yard.

It takes mishandling one deal to ruin one in 5 minutes.

I'm concerned about a pipe bursting and ruining the floors, drywall, and kitchen cabinets.