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Watch Nigeria > Blog > Financial Literacy > How Limitless Free Stuff from Amazon Virtually Ruined My Retirement
Financial Literacy

How Limitless Free Stuff from Amazon Virtually Ruined My Retirement

Last updated: December 24, 2025 12:29 pm
Terfa Ukende
5 days ago
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How Limitless Free Stuff from Amazon Virtually Ruined My Retirement
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How Limitless Free Stuff from Amazon Virtually Ruined My Retirement
–

It began final winter after I innocently posted a overview for a heated vest I had purchased on Amazon. I used to be pleased with this enjoyable new option to beat the winter and needed to share it with others, so I gave it 5 stars. However quickly after I clicked “Submit”, I bought an e mail from Amazon which stated one thing like,

“Congratulations! You’ve been chosen to affix Amazon Vine for writing useful critiques!”

I used to be already conscious of Amazon Vine since I had seen product critiques from different folks in this system – usually referred to as “Vine Voices.” The fundamental concept of this program is you can order stuff from Amazon for free, so long as you conform to overview not less than 80% of the belongings you order.

“Hey, that’s cool”, I assumed, “Who doesn’t like free stuff?

Particularly since I’ve already been writing product critiques out of the goodness of my coronary heart – why not be rewarded for it?”

So with out giving it a lot additional thought, I clicked “settle for” on their phrases and circumstances and joined this system. 

And so started a saga that has taken me on a shocking journey over the previous 9 months inflicting me to:

  • acquire a shocking quantity of stuff I wouldn’t have in any other case purchased
  • waste a shocking period of time reviewing all of it
  • and notice that I really grew to become a bit hooked on this cycle, even though I’m already retired and was completely not in search of a facet hustle.

Okay, I’ll admit that there have been additionally some upsides. My authentic concept was partly to avoid wasting cash, by getting stuff I genuinely would have purchased anyway, in a means that sounded enjoyable. And that did occur – I saved not less than a number of thousand {dollars} on instruments and supplies for my building enterprise and the MMM-HQ Coworking space, free of charge. Plus, not less than some of the motivation for signing up was to place myself by an experiment so I might write this weblog article about it. And in case you’re studying this, it appears to be like like that occurred too.

However I used to be nonetheless stunned at how highly effective the mixture of small nudges and incentives from Amazon was in a position to hijack my frugality instincts –  and get me to do a bunch of labor that wasn’t actually the very best use of my time. 

So I figured if we overview my journey and break it down with a little bit of Behavioral Science, we might all be taught a number of priceless issues by laughing at Mr. Cash Mustache’s folly.

Shortage Mind and the On-line On line casino Impact

–

One of the crucial attention-grabbing books I’ve learn lately is Michael Easter’s Scarcity Brain. It’s an exploration of the sneaky ways in which fashionable playing platforms, advertising and marketing and social media algorithms are all constructed upon two weaknesses in our evolutionary programming:

  • Our need to double down on looking and gathering once we get even a small style of success (as a result of it’s a clue that there could be extra meals within the space), and
  • Our need to gorge on wealthy meals when it’s out there and stockpile sources every time we are able to, even when we have already got greater than we want.

As I look again now, I notice that I fell straight into those self same traps, as a result of the Vine program has all the important thing properties of a on line casino or a TikTok feed:

  • Unpredictable Rewards
  • The ideas of shortage and restricted time
  • Recent content material each time you examine again in

Each time you log into the unique “reviewers solely” Vine web site, you’ll see totally different stuff out there for the taking. Generally there may be virtually nothing worthwhile – you’ll seek for “porcelain plates” and get countless pages of pink plastic disposable celebration plates as an alternative. You search for a toaster in your kitchen however as an alternative there might be only a toaster cowl with a cat carrying a witch hat. WTF!?

And also you thought I made that final one up

However often, there might be genuinely helpful issues like tremendous good lighting fixtures, instruments and plumbing elements, an EV charger, and even some clothes. My favourite ridiculous Eagle shirt as featured within the Mustachianism music video was an Amazon Vine discover.

As have been an entire provide of super-realistic synthetic vegetation, which whereas cheesy in precept, have been superb for hard-to-water courtyard backyard areas on the MMM HQ.

Alan Donegan crafts a man-made but stunning backyard throughout a go to to the MMM HQ in March

I additionally had a variety of enjoyable roping in mates and coworkers from HQ to assist and share within the bounty. I allow them to assist me request and overview stuff that they needed, after which they bought to maintain it. This appeared like a win/win as a result of we shared the work and the enjoyable of laughing at a few of the ridiculous merchandise out there. 

This totally-not-photoshopped chilly plunge was one of many out there scores.

Nonetheless, as I went by this experiment this spring and summer season and allowed the system to coax me into doing 80 critiques so I might improve my account from Vine Silver to Vine Gold*, I seen one thing didn’t really feel fairly proper.

 I used to be checking the Vine web page day by day for scores, even after I didn’t really need something. It will normally be a bust, however simply usually sufficient, one thing I really needed would come up, and I’d order it earlier than it was too late. Shortage and unpredictable rewards at work.

Then the bounty would come, I’d unpack it and {photograph} it with assembly-line pace so I might batch-write all of the critiques as soon as per week or so. For each overview I did, I used to be spending time I’d relatively spend doing one thing else. And for each questionable merchandise I bought, I used to be creating air pollution and trash from its manufacturing and packaging – immediately contradicting the primary values of my life and my motive for scripting this weblog. And I noticed all of this, but I stored doing it!

So Was This The Downfall of MMM?

–

In the course of the worst of this consumerism bender, issues have been dire. I used to be getting packages virtually day by day and my recycling bin was overflowing with cardboard. My son and my girlfriend began laughing at a few of my extra frivolous purchases, so I discovered myself discreetly tucking away the containers after they have been round to evade scrutiny.

 However ultimately, I moved right into a restoration stage. I had been letting this behavior proceed out of laziness and as a type of procrastination: it’s very simple to order shit on-line and faux I’m doing one thing helpful, and way more tough to get transferring to do the issues that actually make my life gratifying. 

However I’m sufficiently old to know that hitting the working trails and the health club for my day by day exercises, and making progress on all my building initiatives, and specializing in the pc as a artistic software relatively than an leisure gadget so I can get stuff performed like this weblog put up, are the issues that convey me probably the most pleasure.

Admittedly, a few of the sucky elements of the Vine program helped make it simpler to recuperate too. For each genuinely helpful factor I discovered like a contractor-grade extension wire, I needed to scan by countless screens of trinkets which not solely wasted my time however really pissed me off at their very existence. 

I additionally seen a few of the intentionally reviewer-unfriendly options constructed into this system which jogged my memory that we reviewers are positively simply low-wage staff relatively than any type of VIP. The search performance is crap, and there’s no option to filter or type the outcomes, as a result of they need you to should look by every part and so they don’t care concerning the worth of your time. 

Then there may be the hilariously bureaucratic AI-based analysis system which might often flag my completely tame, factual critiques as “Not assembly our Group Requirements” with out explaining what the issue was. So I’d should go in and edit my overview, randomly altering a few phrases and possibly some punctuation, and out of the blue the AI could be pacified and settle for my overview. Simply dumb. 

That is What “Fuck You Cash” is For!

It dawned on me that for many individuals, that is simply what “work” appears to be like like. You might be given a bunch of duties and a bunch of guidelines to observe, in a system you didn’t create and don’t get a lot say in altering. After which so long as you crank out your TPS Studies with out rocking the boat an excessive amount of, you get your paycheck. 

It jogged my memory of the Uber Driving experiment I did means again in 2017: as quickly as I began working as a driver, I might instantly see dozens of enhancements that may very well be made to the system that will make it operate higher for each drivers and passengers. However since I wasn’t the boss, no one needed to listen to my concepts.

Experiences like these remind me that whereas I really like onerous work and I really like studying new issues day by day, I tremendously choose being the boss. And I’ve gotten fairly damned accustomed to it after 20 years of monetary independence, so I see no want to offer it up.

Ultimate Numbers

One attention-grabbing “gotcha” of the Vine program is that they do hold observe of all of the free stuff you get and ship you a 1099 for its retail worth on the finish of the 12 months. So it’s not likely free, simply discounted to no matter your marginal tax price is (about 25% for me this 12 months). If we peek into my account proper now, that is how my 2025 is wanting:

So I bought about $7000 value of stuff, and will owe as much as $1750 of tax on it. In my case, about 75% of it was “bought” to my enterprise for business use (building provides which I used on jobs or HQ renovations) so it was successfully transformed into actual revenue relatively than simply tax burden. A few of it was stuff I’d have purchased anyway for my very own home which I’ll gladly pay the taxes on. However there may be additionally most likely about $1000 of pure nonsense in there as nicely, for which I’ll owe a tax invoice of $250 as penance for my itchy set off finger on that “Order” button.

Buddies who know me nicely gained’t be stunned that I fell for this USB rechargeable, magnetic EagLamp.

Thrilling replace on the taxes!

Because of some recommendation from clever readers within the feedback (beneath), I’ve since realized that usually you’ll be able to mark down this estimated worth by 80% earlier than declaring it – as a result of you’ve successfully eradicated many of the resale worth by opening and reviewing the product. Thus my tax invoice might be extra like $50 relatively than $250. Extra element on this Reddit dialogue here.

Epilogue

So right here we’re at the moment. Whereas I admit that I didn’t explicitly cancel my account, I used the “Keystone Habit” trick to override the temptation to view the Vine web page – mapping that browser bookmark to my day by day habits record as an alternative, slightly chart which I name my “Badassity Tracker”. The online result’s that each time I click on it, I’m taken straight to a reminder to rise up from the pc and do a fast spherical of train, so I do this as an alternative.

The Badassity Tracker – click on for bigger model if you wish to save a duplicate!

And naturally my writing of this text could also be a violation of the phrases and circumstances of this system (“the primary rule of Vine is to not discuss Vine”), so it’d even get canceled on me. (and in that case I’ll let you realize as a result of that will be comic story as nicely)

However I realized rather a lot about habits and habit, and realized that this similar feeling could be what drives folks into One Extra Yr Syndrome, as they hold working even after they can afford to give up. I’ve now coached sufficient folks by this case to see it’s means extra frequent than I’d have ever guessed. 

As with all MMM articles, there’s an actual life lesson on this story. It’s not likely about Vine or me or my habits, it’s about you persevering with to take a look at your self and your life, and at all times questioning your personal assumptions or patterns. And asking the folks you belief most for suggestions as nicely:

  • Am I working my life in a fairly optimum method, given my objectives?
  • What would you do in a different way in case you have been me?
  • Who’re some folks that appear to deal with this stuff higher than me, and what can I be taught from them?

We’ll by no means be good, however the nice information is we don’t should be. All it takes is slightly little bit of self reflection and placing ourselves on a barely higher path, as usually as we are able to as life goes on. We’re all on a really lengthy journey, so even a tiny course correction could make an enormous distinction in the place we find yourself.

—

*(Vine Gold shouldn’t be all that helpful because it seems as 99.9% of the out there objects appear to be the identical trinkets you see within the Silver tier)

** What concerning the Heated Vest that began all of it? Effectively, I nonetheless love that factor and now that fall is coming again it’s already serving to me be hotter in a cooler home. There are a lot of good selections on Amazon, here’s one of them. Then select any USB battery pack to go along with it, which additionally doubles as a really helpful journey cellphone charger.

FTC: this weblog makes use of affiliate hyperlinks (together with for Amazon) when attainable so in case you do purchase something by them, it’ll profit the web site. And thanks!



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ByTerfa Ukende
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Terfa Ukende is a seasoned financial writer with over seven years of experience covering topics on finance, investment, and economic development. He began his writing career with NewsWay before joining Watch Nigeria, where he continues to educate readers on wealth building, market trends, and smart money management. He holds a Bachelor’s degree in Statistics and Computer Science, which strengthens his analytical approach to financial reporting and investment insights.
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