what is a harmless habit you had in your 20s that ended up ruining your health or finances

Women.

But it started earlier and is (thankfully) lasting longer.

Thinking a habit that ruined my finances and health was harmless.

Nice try Mr. Life Insurance Man.

But I’d say not getting enough sleep. Apparently your deep sleep declines down to nearly zero as you age and you can never go back and reap the benefits.

I’d probably be a lot less stupid had I slept mo better in my 20s-40s.

Refusing to eat meals at home.

I couldn’t understand why I was always broke in my early 20’s.

It was because I had to go out and eat every damn meal.

I think looking at a computer screen all day has wrecked my eyesight.

Hasn't happened to me yet, but I know several older people who have endured skin cancer who lament the fact that they never wore sunscreen and soldiered through some sunburns in their carefree youth.

Sex with men

I’d say pussy but we all know that shite isn’t harmless.

Procrastination.

Drinking in bars...