system
A chat on subreddit /r/wallstreetbets
human
No, I mean they legitimately don't understand basic financial concepts, not even investing. 
  
 They do not understand compound interests or long term financial planning. 
  
  They also believe that putting any money they save in an account with 0.1% interest rate is good. Guess who has to tell them they are losing money thanks to inflation? 
  
 Incredibly frustrating.

gpt
Or being smart and turning down raises so they don't get taxed at the next marginal rate.