Well a certain person named Jarred was once so desperate he actually fucked a retard. We told him it was wrong and that he himself must have been partially retarded. So he is a tard fucker! He doesn't deserve the re as any retard could beat him mantally and physically...

when you've done something so cringe you can't stop replaying it in your head and it stops you from getting on with your every day life

An insult which is a combination of the words retard and fucker.