These days it seems like there are taxes on everything. You get taxed for owning a home, taxed on purchases you make at the store, and even taxed on the money you make at your job so that you can afford to pay your taxes! But in addition to the hundreds of different kinds of taxes you encounter throughout your life, there is another, unwritten tax that many people devote a substantial portion of their incomes to without even knowing it. For the sake of brevity, we’re going to call it the “stupidity tax.” It’s the extra money you pay for being an idiot, and it takes many different forms. Here are a few of the most common ones.

1. The lottery

This is the one that helped coin the term “Stupidity Tax.” In essence, you pay a fee for a statistically insignificant chance of winning copious amounts of money. Now, a dollar a ticket may not seem like much, but a dollar a ticket once a week forever (which is about how long it would probably take for you to win) can really add up. Oh, and even if the universe goes crazy and you happen to hit the jackpot, chances are you’ll just end up worse off as a result.

2. Tobacco products

Those who started smoking in the 40s and 50s, when cigarette companies used doctors and studies to “prove” just how healthy a bit of tobacco could be, can be forgiven for getting hooked—they didn’t know any better. But what excuse do people have today? We all know the health risks associated with smoking and chewing. We all know that tobacco is addictive. And we all know that it takes a lot of money to support a life-long addiction. Where is the appeal? If you want to look cool, get a leather jacket.

3. Traffic tickets

You may be a rocket scientist with a PhD in smartness, but if you get traffic tickets, then you’re a moron. The laws are posted, and the penalties are clear; all you have to do is obey the rules and you won’t get stuck with a fine. In fact, there’s really no reason why anyone should ever have to be issued a ticket. The next time you’re late for an appointment and you decide to speed, just ask yourself if it’s worth the potential cost. In fact, I’ll just tell you right now, it’s not.

4. Gigantic cars

There are three kinds of people who need large automobiles: families with several children, people who have to haul heavy equipment and supplies for a living, and those who participate in monster truck rallies. If you don’t fall into any of these categories, then you could probably settle for a sensible sedan. Gigantic cars and trucks may help you compensate for personality or physical deficiencies, but they also cost more to purchase, maintain, and fuel than their smaller cousins. Oh, and they give your insurance company an excuse to raise your rates.

5. Gym Memberships

Any time that your body is in motion, it’s burning calories. So why pay for the opportunity to workout at a gym? Take a walk, ride a bike, climb some stairs, or even just do some pushups on the floor. It won’t cost you nearly as much, and you’ll get just as good of a workout. And this way, when you decide to neglect your exercise routine, you’ll be able to do so without paying a monthly expense.

6. Refinancing

There are times when it makes sense to refinance, such as when your credit score improves or interest rates drop. However, getting a home or auto loan refinance just so that you can get your hands on a few extra bucks every month, at the cost of extending the overall life of your loan, is the definition of stupidity. You’re basically telling your future self to pick up the tab, and when you become that future self, you’ll regret it. Don’t get your hopes up when seeking out a new home refinance rate or and lowering monthly car payments, because they can many times cost you so much more in the long run.

7. Home telephone lines

Do you have a cellphone? Then you don’t need a home line. It’s as simple as that.

8. Magazine/newspaper subscriptions

Do you have the internet? Then you don’t need magazines and newspapers. I promise you that you can get the same articles and news, while saving on paper waste and subscription expenses, just by visiting the publication’s website. And if you have a mobile smart device, you’ll still be able to read those hard hitting exposes and check stock prices while you sit on the toilet (which is really all that they’re good for, anyway).

9. Designer clothing

Just because a pair of jeans costs $500, it doesn’t necessarily mean that they’re higher quality than those you get off the sales rack at Walmart. In fact, when you buy designer clothes, what you’re actually paying for is the brand so you can show it off to people who care about these things. The problem is, the only people who will notice are the kind of shallow, self-absorbed elitists who will simply resent you for showing them up. Clothes are meant to cover body parts and protect against the elements, not act as portable trust-funds.

10. Wasted energy

Every time you leave a light on in your home, or idle your car engine while you wait, or let the shower warm up while you brush your teeth, or neglect to turn off the computer, or a thousand other little decisions that result in spent energy, you’re paying cash to be stupid. Here’s a simple formula: if you’re not using it right now, then turn it off. You’ll save money, and you won’t have to endure being called “stupid” by faceless internet writers.