I have 2....
1) "It must be nice!"
2) "Back in the day..."
I earned everything I have, so to imply that 'it must be nice' to have nice things pisses me off. I worked double shifts, nights, weekends, 2 jobs, every time I could to have my things. And yes its nice, but nobody handed me a thing.
and second, if you can't remember when it happened, then dont tell the story. That's just a pet peeve of mine.