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While others have learnt their lessions of not utilizing their incomes when they had a stable source for their income flows, some others are paying adamants and ignorant to learn from what has happened to others because they feels they are not of the same calling to be affected with what happened to others.

In life some persons just do what pleases them and doesn't tolerate with any piece of advice from anyone at the times they feels to had acquired the heavens on earth. And yet they are not Concious that as the more they grows their incomes for multiplications is also how it could depreciate to a zero value if not utilize productively for continues growth.

A friend of mine goes wild at me whenever I talk to him about his reckless spendings, he ask me what would be  accounted of his money if not enjoyments?
This is a kind of guy that feels relaxed when he has an attractive amount of money in his bank account and then feels he is only supposed to go after making more money only when he is running out from the one already accumulated and spent.

How on earth would someone give chasing after income holidays even when you do not have more than enough and not up to the age of retirement yet?

And after squandering all that he has saved he goes about requesting to borrow money.
I have talked to this guy on several occasions but he feels I am a pest disturbing his dear life.
As at this moment, the country is encountering very high rate of inflation which stuffs doesn't go fair as before  leading him sold his car and being struggling to pay his bills while living in the city and at now, he does not have a place of residence of his own so he jumps from one place to the other passing his night's.

He is now the pest perching on any available places conditionally while inconveniencing others.
He now lives a low key with the best he can afford.
"Had I know" is now a national anthem to him.
I don't find his ignorance to be an excuse and I am thinking of disassociating from him before he gets me  affected with his negative possesed energies.

I don't know man, the reason for why I don't have this kind of attitude towards money is from the fact that I'm not earning enough from all of my income streams, even though I do my best at getting them all, I only have a limited time and energy in a day so there's not a lot that I can do about it even if I've got the skills, it's still problematic for me.

Regards to your friend issue, let him be, a person that's not asking to be saved won't ask to be saved, you feel me? They will ask for your opinion about how they spend their money when they feel like it, mind your own business and you can't really force everyone to think like you anyway, even if they're your friends. Just think of this as a delayed gratification when the time comes that their actions haunt them, that "I told you so" from you and "I should've listened to you" from him would be really satisfying, that is if you're still friends in the future.

It's a bad habit, and many people like the OP mentioned, especially people who rely solely on their parents' wealth.
It's all because parents don't teach their children to be responsible with money, and people like this don't give advice easily because they think they have a lot of money, and when the money runs out and falls. He will be aware and aware of the words or advice said by friends or other people before, but it will be too late.
And I also have several people with that type, and I judge because these people are blinded by money. And they don't think that money will run out over time if they don't have a job or business that makes money or a stable income to cover their expenses.

And I think people like that just ignore it, later they will realize and regret it when it's all over and that will be a valuable lesson for them. And realize that a luxurious life must be supported by a decent income or more, and must be responsible and disciplined in using or managing money.

I won't encourage to disassociate yourself from him because to every lifestyle there's is always a lesson to learn from them, reason because without you experiencing those attitudes from him you won't know how to make and take the right decisions for yourself. People doesn't always make the right decision when everything seems to be okay all their decision are right and good for them untill they encounters difficulties making them to have a rethink of their life, people doesn't always take correction or learned from what happened to other people all less it happens to them before they would take corrections.

I agree with pinggoki, you can't force other people to have a same life like you because what you think good isn't always good for him.

Yeah I know I have a same perspective like you, saving is a must for me, but some people think when they die, they won't able to bring their wealth to heaven, so why they need to save and we can't even know how long we can live.

Even if my best friends spend too much money for unnecessary stuffs, if he didn't ask about money management, saving or investment, I won't comment anything.

Isn't it that the word appropriate for this is “accountability”? It's his fault that he is doing what he can and you, trying to point out his making a problem is what a friend should do. You shouldn't tolerate what you think is not right because you are enabling them to still do it.

What kind of a friend would you be if you let it? Think about it.

In essence, regret will come after we lose and that is normal for anyone, but we need to learn how other people's experiences should be the best lesson for us. In living our lives we need to have a plan because developing sources of income must be done consistently and precisely. The mistakes we have made must be important lessons for us to change so that in the future we do not repeat the same mistakes.

Advice is important for consideration when we are in unfavorable conditions and if people advise us then it means they care about us. The greater the responsibility, the greater the expenses we will need, so we need to prepare as early as possible and if we fail to understand the meaning of the preparation strategy, we will be faced with complicated financial problems.

It's your choice to do what you wanna but if I were to advise you, I'd say you shouldn't dissociate from him now. If you wanted to, you should have done it while he still felt he had much because the way it seems now, it's as if you enjoyed with him while there was plenty but now things are sour you are leaving. Another thing is that he's be willing to listen to you on a proposition you have for him and also, you can safely tell him how to plan and even use yourself as an instance if you feel you are more judicious in spending your finances.
 What happened to your friend is typical of every individual who has this mentality of ' you only live once. Spend while you're alive' which is not a bad thing, don't get me wrong but some people don't really understand this phrase and thinks every thing goes.

I think there are people like this who will always squandered all that they have before looking for ways to earn more money.
People like this don't understand the term 'save for a rainy day' because to them their enjoyment comes first.
The problem is there is no convincing such people, only life can teach them a lesson that's if they will ever learn.
You can only keep advising him as a friend but the rest is up to him to figure out.

     I kind of believe in the title you made, because whatever the result of our lives today is, it is the result of the decision we made before. The lifting of life from the poverty that we started all of that started with the plans that we chose to make decisions.

     And that way can be good and bad, depending on what we choose in exchange for the dreams we want to get in life. Although it is not easy to achieve, it takes real hard work, and that is the truth.

As the others have already stated, it's not really your business to change their lifestyle and that disassociation is going to be a bad thing for you especially as a friend. Let me put in some sense on those two matters that I've agreed upon:

          1. Minding your own business would definitely take you far in life, you meddle too much and you'd end up having to deal with trouble and at the same time you also end having no time to deal with your own problems because you're too much involved with the life of your friend, if they want to be miserable then let them be, that's how they want to live. Think of it this way, if you're in his situation, what're you going to do? And are you going to want your friend to be pestering you about all this stuff?

I know that we all want to save someone from their misery but there's just not that many people that want the saving and to me this all sounds like trying to be self-righteous, that you're the one that's more moral and a very nice exemplary.

          2. I can't recommend disassociation to some degree because there's the factor of how long you've been friends with that person, it's definitely a problem if you're childhood friends or that you've been friends for a long time, this isn't the kind of thing that should crack a friendship, the reason is too petty in my opinion and the only time that I believe that a disassociation or friendship termination is valid when that friend's been asking money for them to gamble or that you feel like if you stick to this kind of person, that you're not going to go anywhere in your life.

It has become a common thing these days. A lot of people who earn good money don't save when they can and they regret this when they fall flat on the face of earth. When they are earning more than enough, they overspend their money, live luxurious lives, buy cars, and materialistic things, and try to enjoy their life as much as they can, however, they don't think about the future and it takes a blink of an eye for time to change.

Just like your friend, anyone in such a situation where they are still doing very well, earning a lot of money and have a lot of credit left won't understand if you try to school them until the time when they have everything spent and have nothing left. That is when they realize their mistakes but to no avail.

Some people have the mentality that they will always have money, so they don't care about saving for the future. They fail to understand that a time will come when they might not have the strength or opportunity to earn money. Each time I see elderly people engage in manual jobs, I am reminded that a time will come when I need to rest instead of engaging in a full-time job. And the means of retiring at the right time is to save and invest for the future.

You can only advise a grown-up man and cannot force him to make a decision. Life is a choice and an adult has the right to choose what he wants. Your friend should bear the repercussions of his action alone but you can help him if you also join him in lavishing his money. I don't lend money to such people because they might not be able to pay back since they don't have an adequate financial plan that guides their spending.

That's how money is, whatever income we currently earn, if we don't manage it well then the results of our hard work to get it have no meaning at all, except to satisfy a momentary desire, such as going on holiday. , shopping, or other waste.

And that doesn't mean I forbid you from going on holiday or shopping, because we also need to please ourselves, just to relieve stress and boredom. This can be done, but with a note, that we will go on holiday to the place we dream of or shop to buy the things we want, this is done after meeting certain needs, saving and investing. Only then can we be called wise in managing income and expenses. Don't let your needs not be met, we force ourselves to go on holiday or shop, because that will only cause quite complicated financial problems (a problem that we created ourselves).

As long as you are responsible with your actions, you don't need to worry. Definitely, having some relaxation is I also believe a must. Just to breath a lil bit of fresh air can possibly give us better perspectives in life. And who knows, once you got back from your holiday, you will be more productive than ever. Sometimes we need to pause our stressful lives to get new insights on what we are heading to.

What I personally believe is that we should find the balance between enjoyment and practicality. Sometimes, I think it’s good to indulge yourself and let you enjoy your hard-earned money.

Of course it shouldn’t be to the point of irresponsibility and at the expense of others. You still need to have some sort of control when it comes to your finance. You don’t want to prioritize money over anything so it’s ok to let go sometimes.

I agree on some points, sometimes we thought that our income are going to be steady and going to be stable. But this is not how it works, most of the time there will be unexpected events in your life. And when you thought that you will have that kind of job your dream one with big pays and other benefits, suddenly the company closes or at least the client didn't renew their contract. This happen to me not just once but twice. So I just learn how to save as much as I can, to have at least some money in the bank for 6 months as a buffer in cases of emergencies and if this thing happen specially if you have family to feed and give them shelter 24x7. Life is unfair if you think about it. There are people who are well off in life, buy you yourself will have to struggling, but that's it, you should give up and move on.

Our decision sometimes is wrong and sometimes right. Having poor financial management will simply lead to emptying our wallets and even committing debts. We are lucky if we don't have that kind of attitude toward our money but never we have to ask other people to live like us knowing that it is their life as well. Let us just think that if they are in this situation today, they soon realize about their mistakes in handling their money and change. Some people are just enjoying life even if they have a small income and we can't take and stop that. It is a matter of choice, the good thing for us who have good knowledge in managing our income/expenses, we never struggle hard during crisis.

In everyday living then every decisions that we do make could neither give out that positive or negative impact. No one really knows until it would happen.
It is really just that in every decisions that we do take then we do always choose up on whats best for us, if it turns out to be negative then well just simply move on to the next.
There are particular moments or situations on which you would be needing to take up such decision if you do really want to have those changes or whatsoever.
You wont really be able to know the result or outcomes if you wont really be making out such decision.

Whatever the outcome it would be then it would really be reflecting out on what are the decisions that you had made. This is why in every decision
then it should really be something that needs up to be carefully be mind off.

You could never control how other people spending their money, because that's their money, but I agree that your friend is bad person, the best thing is just stay way from that kind of friends. Maybe he keep doing those reckless spending because he think he got you and his other friends as safety net, by being away and refuse to loan him some money you could help him realize that what he had done is reckless and could give him inconvenience.

Some people make a good decision in some aspect and then make completely reckless decision in spending their money, probably because they come from poor parent that doesn't even have money to manage, thus they never learnt how to manage money. Then when they finally can get their own money they don't know how to use it wisely. But some of them would learn eventually.

Do you know that even some people knew the outcome of their actions, it will not still discourage or stop them from doing what they have planned to do. The outcomes me of decision making does.not scare some decision makers so they can be very reckless with decision making at times. There is no decision that doesn't have an outcome, and as a decision maker, always consider the outcome of your decisions before you make up your mind about them.

You're right you don't have to live a flamboyant life that you can only afford in the moment knowing quite well that you don't have enough to continue your grooves. That's ridiculous to even have such good times as a memory at when you can't afford them again.
And so also, everyone can not think the same even though you walks together. In life sometimes we are just temporarily merged in the positions are could be because we're not fit in or matched together. Only little humours that's keeping us and a little itch could cut every connections off.
I think the Op has tried as much as he could Pointing the lapses of his friend right before him while he was ignorant to his doings. But Op I don't think your pulling back from him would be the best of it, verbally or otherwise you can still assist him or he's willing to be a change man but it he can't then take your leave and don't walk all long with people that can't align with you when you're trying to make some senses otherwise you'd be infected with the negative energies just you said earlier and moreso, @pinggoki has also said that "had I know" would be ringing like the sound track to him at when there's no way out for his rescue anymore.
Don't stress yourself out at Op

People often get irritated when someone keep pushing his own idea even without the person's consent or asking for advice.  I got it you are concerned to your friend but your friend does not need your advice so giving him unsolicited idea will make him think that you really are a pest disturbing his dear life.


Regret never happens in the beginning, it is always in the end after all the things done. I hope your friend learned a lesson or two from his extravagant spending. when he has the money.


A very good friend indeed..., isn't now the time to show your concern?  Why avoid your friend now?


Bad person (taking bad as being evil/wicked)?  Being extravagant does not mean being a bad person...  The guy might be remorseful because he does not give value to his money but that does not make a person bad.  So having no money and asking people for help makes the person bad now?



I do not think that he does that reckless spending because he has someone to support him, some people never think of their future and live by the moment.  Probably that is the kind of person @OP's is talking about.


And that does not make a person bad (evil)...

He live an extravagant live but he bothers his friend by borrowing his friend's money, he doesn't consider that his friend also need the money. If he want to live an extravagant live, then he should earn enough money so he doesn't give bad financial influence to his friend by asking to borrow money, I didn't mean he is like evil, he just a bad friend, that is just bad enough for me to stay way from that kind of friend. At least by staying away from him I wouldn't need to loan him some money, and by not loaning him some money he might be able to reconsider his spending because he can't no longer borrow money from me, he might find someone else, but then that's other people problem and decision.

The biggest enemy is the ego within us, and this cannot be eliminated within us, but we can control it well. Where sometimes we do things beyond our capabilities and limits, just to satisfy momentary desires and just to show that we look capable. We go on holiday just to breathe fresh air and relieve fatigue and stress, as well as to brag to others that we are on holiday and shopping in a special place, but when we get home we are stressed again because we have run out of money, and what's worse is that we have to take out a loan to be able to continue living. This is what often happens to some people who are unable to manage their finances well.

Therefore, keep trying to find out how we can manage our finances well, because today we have to live and tomorrow we have to live, today we have needs and so will tomorrow, all of which we have to fulfill. Try to control your ego and desires well, don't want to appear capable of being accepted by the public. Because when we are able to manage our finances well, and reach the peak of having financial freedom. So without the need for us to show and brag about what we have to other people, people will know that we not only look capable, but are really capable.

That phrase "Had I know" is like the phrase I know,which means "the regret is in the end," meaning no one can ever know the outcome of their decision or action, so they will realise and regret it after the result, and that is normal. What I mean is that people tend to consider less what's the possible outcome of their decision or action; it can't be helped. We are just humans who make mistakes all the time. The important thing is, how will you cope with that mistake? Will you let that affect you? The important part is how you will do next after that realisation. As they said, we can't do anything about what happens; focus on what is present and not let yourself get stuck with what happens, which hinders you from moving forward. Everything happens for a reason as they said so expect a greater return of you will do your part.

I like the emphasis on individual responsibility, moving away from the victim mentality that we are so often sold today. Leaving aside the specific case, in life we will do much better if we believe that life is largely in our hands, that it will be mostly the result of our decisions, than if we believe that we are a victim of circumstances before which we can do nothing. For me in particular, since I've been moving away from the victim mentality and adopting the responsibility mentality, I've been doing much better.

That's life, sometimes someone needs to be taught a lesson to know that what they are doing is wrong and the person who doesn't accept our advice from the start doesn't need us to help anymore, because it has been their life choice from the start not to accept help from us.
This can also be a lesson for us in the future about how wisely we can manage our income and how we spend it. If we don't need a new bag, it's best not to buy it, or if we can still ride a motorbike, it's best to just use it, no need to buy a car. Because nowadays it is increasingly difficult and unpredictable, and we have to be able to manage our finances so that we don't get stuck in the mud due to our wasteful behavior.

The money we strive for when made it's actually meant to be enjoyed but even as that it should be spent prudently and in a manner frugal enough to show we have value for our money and not to be spent extravagantly on luxuries. It is in the attitude of people that lacks the value for money to spend it anyhow immediately it enters their purse only to come to a realization when it's getting to the bottom.

Op, if am to advise you I'll say you just ignore him right away, at least you have played the role of a good friend by scolding him about his money spending attitude and since his reaction is usually attacking to you about your advise then you should mind your business and go your way mind your own business. It is his money you can't decide for him how to spend it but can only advise so no need of getting angry he didn't accept your advise.

 However, if he squanders while you build with yours and tomorrow comes that he comes to your for financial help I'll say ignore his plea for help so he can deeply feel the consequences of his actions, that next time you or anyone else renders him a free financial advise he won't hesitate to hold it to mind and make the best use of it for the future.

Let's not forget that every person on this planet are on their own journey.

You might have one person hoarding wealth like Mr Scrooge and not enjoying life and then you get the exact opposite, with someone spending every cent they have, but travelling the world and collecting happy memories and experiences.

I try to have a balance between the two, by saving enough to secure my future... when I cannot work and when I will need those savings and also spending some money now ..on things I can still do while I am healthy enough to do it.

Find a balance and enjoy your life.  ;)

The fact that people have the choice to choose those actions shows freedom, but there are issues surrounding life that cause disagreements. Just do what you want, evaluating everything around you only reflects a small part of our thinking and perspective on life. I don't complain much about someone's actions being right/wrong, as long as we are aware of our imperfections and choose to be satisfied/grateful for everything around us, even if it causes discomfort uncomfortable.

There were a few situations in the past that I faced when I tried to impose my personal thoughts on someone, and realized that they are not me, each person has their own life and experiences. We can see that the action is silly and help that person realize their mistake, but they haven't experienced it enough to be aware of it, so there's no need to argue harshly and just let things happen naturally.

There are still kiddie in some adult hoods, this isa guy @ 40 and he is still jingling around like he hasn't been exposed to the terms of how challenging life could be.
Indeed, there are people who are so relaxed with either the little or the huge one they have gathered and decides to chill, consum it til it depreciates to an obvious level of decrease and conciously, just because they don't want to run a zero % that aspirations alone urges them to go back and hustle once one and relax again and chill to spend up all that accumulated again and before their realization they are up to retirement age and would end up regretting all steps of their lives where "Had I know"  would never depart from their thoughts.

Always spend with the future in mind.  Isn't it a bit shameful that you spend without calculating that you have enough money today and in the future your bank balance is all gone and you have to eat to get your hands on someone else?  I think it's a shame.  Everyone should take stock of this and keep the future in mind.  Life is not as simple as it seems.  Financial prosperity will keep your life normal.  Whenever you become financially strapped, you start to see the toxicity of life.  You should explain your friend well and ask him to understand life in the right way.

If someone has an influence that is not good, it will not help us either. When a person is like this, it is not good to be friends as well, in my opinion, right? Instead of teaching good things or reminding the friend, they will be more influenced to do something bad.

This kind of person can't really be considered a good friend either. So we should also choose our friends because we are also the first to experience good benefits if we find good friends.

There's no need to waste energy giving feedback to others if it's considered silly. I agree with you that it is better to focus on managing ourselves. Everyone has different dreams so every decision will be different too. If a person is serious about making his life better, he will definitely make the best decision for himself. But if someone close to you is down, then we also have to be sensitive and provide motivation so they can get back up.

Governments of various countries do not want to recognize Bitcoin as their own currency.  They think that recognizing Bitcoin will reduce the use of their own currency and cause a great loss to their country.  Moreover, in underdeveloped and developing countries, if the government does not prohibit keeping black money account, it will be seen that these countries are so corrupt that the government will not be able to keep any account of black money and the corrupt will turn all the black money into white money.

Yeah even for me I don't personally tolerate such friend who acted like that though I might respect their decisions but I will surely not gonna stress myself for a problem not mine they should be thankful they have friends who care for them well yeah let them realize it themselves atleast we do our part. Been in this situation so many times before but yeah it's easy to moveon and I just accept the fact that people come and go. 😁

Sometimes in life you can't predict what will happen in the future, so therefore it  good when one have money and it comes steadily for one to try as much to invest into any good investment just incase if the money that is coming right now stops coming in the future on can hold to it for survival. This is for those that are receiving good amount of money that part of it can be invested.  Money  can never predicted expecially when you are working for something to get money as income but when money is well invested it is very sure that something big is at the corner to hold on in the future.

It is true that some people make this mistake and are carried away not having the mindset to invest money for the future.  I  know everyone cant do business but their is something every individual can do as investment to yield more money.

We're live in a world full of lies, if you didn't lie, you won't able to build relations with a lot people because when you show your true character, there are someone like you and someone don't like you. If you become a liar and try to do what they like, they will like you and you might be successful because you have more relations.

Most people don't like to get advice or limit with something that they likes.

It can be concluded that a persons true character is shown when they have money, lots of it.
Money is power as we can agree on and when someone who came from a very poor background or has lived in the streets, feeding from hand to mouth and without a place to call a home, happens to come into some of it in an amount they haven't seen before, it becomes intoxicating to them because they are now more than able to afford the things once craved for and worse is the fact that they become over protective of the wealth in that, no one, be it family or friends can make them or tell them what to do not.

It takes a disciplined person with principles and values to be able to properly manage wealth. That's why, not just education is important, but financial education, so that how to manage the wealth we have will come easy when making decisions that would impact our finances, directly or indirectly.

Every person in the world has a different way of life environment and economic status. For example, my economic status and family environment are sufficient or favorable for the implementation of my plans or decisions but there are many people in my society whose situation is not like mine so they have to go through a lot of difficulties or thorny paths to achieve their consistent results according to their decisions. But it is undoubtedly true that our decision-making alone is responsible for our results. That path to success wasn't right for me. From my point of view, there is nothing wrong in the world because by taking the path that we cannot succeed in we know that path is not suitable for our success. It's a lesson. So we should think more move in the right direction and chase after success.

Making money has to be a continuous process, This is why even the wealthiest of men are still trying to establish more businesses and more investments to keep their income steady. Any individual who gets comfortable when they have some money to last them for a short time is not content but financially immature, because money needs to be spent in the pursuit of more. Any moment that you become financially comfortable, you indirectly are becoming ready for poverty.

Some people struggle to learn unless they experience the consequences firsthand. For instance, your friend  be a reckless spender who doesn't worry about the future. When you remind him to save, he doesn't understand the importance because he hasn't faced the negative outcomes of overspending. He may not believe it's possible for him to lose everything because his current spending habits haven't led him there yet.  This is why people often resist advice that goes against their personal experiences. Now, with the high inflation, he's experiencing the consequences. Maybe with this experience, he'll learn and become a better person.

You cant really say that they are immature but rather there are people who are really that get easily contented on what they do currently earning and getting as of this moment and on how they do spend up into their lives on which they arent asking for more but its true that it is something not that ideal on remaining to be on this way considering that each year which inflation or economic condition gets more worst on where
it could really be heavily affecting you and with your family and this is why on trying out to solve out this kind of potential problem then it would be ideal that you should really be looking for another source of income
on which it would really be causing up for you to face up those potential problems.

This is why it would really be always recommended that you should be thinking up in advance on what are those probabilities so that you wont really be
ended up on having those regrets and keeps on telling and saying that you should have done this earlier or on the time that there's still no such existing problems.
People do really get that confident whenever they arent experiencing those challenges in life.

For many people to achieve their goals, the money they earn must constantly increase. Needs never end, on the contrary, they constantly increase and you have to increase your money to meet these needs.

Being financially mature should be one of the most important elements that can be discussed on this subject. Financial maturity is something that is hard earned but provides great benefits when achieved. Many people experience many things to gain this maturity, and financial maturity can occur as a result of these experiences. It is not something that happens all the time, but when it happens, it is very beneficial to the person.

That's right, needs are certainly something that must be met, therefore we should be able to make money continuously. think about how to have a stable and clear income. with growing needs, of course finances must also be improved, apart from that when finances improve in the sense that they start to increase then it is possible that lifestyle can follow, where lifestyle will also increase such as buying high value goods, because of course by feeling financially If it increases then your lifestyle will automatically follow, that's what humans are.

When we are adults, of course we must be able to have a job that can make money. Financial factors are often a problem for everyone, because it is very difficult to achieve financial freedom. Many people and families have problems with finances. and I think that is a natural thing, because everyone everywhere feels it.

Indeed, Financial maturity is a concept wich is crucial in navigating these dynamics effectively. Financial maturity encompasses a range of skills and attitudes that enable people to manage their finances responsibly and effectively. Money wouldn't make people rich without attitude of the money owners on how they manage it to ensure their fulfilling life. It involves understanding the importance of budgeting, saving, investing, and making informed financial decisions. It encompasses the ability to adapt to changing circumstances, prioritize needs over wants, and plan for the future.

Achieving financial maturity often requires learning from experiences, both successes, and failures which make people learn to set realistic goals, develop strategies to achieve them, and stay disciplined in their financial practices. Financial maturity not only leads to better financial outcomes but also enhances overall well-being and peace of mind. By cultivating these skills and attitudes, people can navigate the financial challenges more effectively, achieving greater stability and security in the long run.

There are different factors affecting our spending nature like where we belongs to, who they are getting influenced by and lot other stuffs and here you mentioned someone seems like highly influenced by the social media influencers who always preaches love your life, live the moment, enjoying is the primary goal, life filled with adventures, etc.

But most of us only learn how we should be when it's too late and it could be annoying when someone advises so that's understandable but let him learn on his own because you can't make him to do anything, all you can do is guiding but he is the one who prefers which way to go.

If you do not feel like keeping the friendship of this person then just end it, however even if you think that what your friend is doing is wrong, after you gave your advice a few times and it was ignored, you should just not mention it again, I know people like that too, and while I like them as people, that does not mean that I do not see how terrible they are at managing their finances, and most likely they will not enjoy a peaceful life when they reach the retirement age on their country.

Correct, they will show their true characters when they have money because pretend to be other person cost your mental and energy. When you have money, means you have power, you can do anything you like and won't care with the relationship. We live alone we die alone, people you met are just a chapter of your life journey, you have a good friend in high school, after next few years either you or them see each other just as a stranger.

Most people wants to become rich and I believe they already learn about money management, but when you ask your best friends about a job or the way to get rich, they won't help you, they just give a common motivation.

I think there is a balance between these two. I agree that reckless spending is not a smart idea, but also you can't just have nothing neither, you can't just sit at home eating noodles all day long, you need to spend some quality time to be happy as well. I am not saying go out and spend every dime you have, of course be careful with what you are spending but also you should not be living no life neither, that would not make sense at all.

Find that sweet spot where you spend most of your money and you still do fine, that would make a lot more sense, it would give you benefit of living a good life but also saving a small amount. Like saving 10% of your money each month should be more than enough for most people.

That's right, if we don't do this in a balanced way and we tend to focus on just one thing, of course it will be very difficult for us to make ourselves happy, when we spend the income we have uncontrollably, we will experience financial problems when we get old and If we just sit at home and use all the income we have to save, of course we will never be able to feel happiness in the outside world, of course everyone will not be able to stay at home and people will not do anything that makes them happy.

Of course we have to enjoy the results of what we have done so that we will again have the enthusiasm to produce higher quality work and always set aside some of the income we have to save and if possible, we can invest for our future.

Everything should be balanced if  you do tend to live a happy life and its true that money cant buy anything. Money cant buy time but most of the time this is the main in need for you to be happy considering
that you cant do anything if you dont have the fund that you could make use of. Try to look about on having that fun on travelling with someone you do love. Of course you do need money and it would really be just that normal that you would really be doing your very best on accumulating and earning it as much as you could for it to happen. We do have different wishes in our lives on which it would really be just that a normal
approach that you would really be needing to work hard for it.

Everything which si really that excessive is really that not that good. Just like been said that if you do focus too much on a single point and already have forgotten the basic things
that you must do or make some attention too then it would really be bringing out that kind of potential problem into you on which it would be just
that needed up for you to put up some focus too.

You can't tell people how to spend their cash – it's theirs after all. But yeah, your friend's spending habits are a little, well, crazy.  Maybe he thinks you and his other buddies are always there to bail him out, like a financial safety net.

By cutting him off, you might be doing him a favor.  It's a wake-up call, you know? Like ripping off a bandaid – it hurts, but then it can heal. Talk to him! Show him you care, but you're also worried.  Maybe offer to  budget together or share some tips on managing money.  Who knows, he might just never have had anyone teach him the ropes.

The allure of social media can be a double-edged sword. While it fosters connection, it can also cultivate an environment where status is often equated with extravagant displays of wealth. This focus on outward appearances, however, can lead to a dangerous cycle of financial mismanagement fueled by ego gratification.

Succumbing to the pressure of maintaining a certain lifestyle to impress others can have significant financial repercussions.  Taking on excessive debt to finance vacations or luxury goods beyond one's means creates a burden that can lead to significant stress and a decline in overall well-being.

True financial success is not about keeping up appearances; it's about achieving a state of financial security and freedom. This journey requires a commitment to responsible financial practices, such as budgeting, tracking expenses, and prioritizing needs over wants.

Money can be a confusing beast. You work hard to earn it, but if you don't manage it well, it can all disappear faster than a slice of pizza. The key is finding a balance. We all deserve a little fun – a vacation to that dream beach, that new gadget you've been eyeing – but not at the expense of our future selves.

Being smart with your money doesn't mean being a total Scrooge.  Think of it like building a boss life –  you gotta take care of the essentials first – that's your foundation.  Then, you can start thinking about saving and investing for the future you. The cool thing is, once you've got that base covered, you can totally reward yourself! Treat yourself to a concert, a shopping spree, whatever floats your boat. It's all about finding that sweet spot where you're taking care of business and having some fun along the way.

Well, that exactly how it works and do you know why people often fail following this? Because they are too inclined towards work or personal life and they don't really make a work life balance though we know that we have to make some sacrifices to our personal life if we want to be ahead in the race and achieve something but the problem is making too inclined towards either one of them makes us like a machine wherein we can only process the knowledge or inputs we have and fail to observe new things and smart work goes for a toss and that's where we actually end up losing it all.

There are people that don't want to get noticed with how reckless they are with their spending habits. Instead of giving thanks to you for reminding them to be wiser with how they spend money, they're going to tell you to stop doing that and mind your own business. Well, the concern is there and if you're a true friend, you'd definitely be happy that someone is looking after you. Because if not, no one's gonna be there to correct you out with these mistakes that you do. Other than that, you know that all actions that we do have an equal reaction to our lives. So, if you do good then you know that something good is going to comeback to you.

It is completely baseless to think that money has to be spent only when there is money. When we have money, we need to plan our future better because when we don't have money, it is difficult to implement those plans. In our life, everyone has their own plan, in some of their own plans, many people do not think those plans are right or many people do not like that plan, it is not a big thing at all, the main thing is that you are able to work according to the plan that you have planned. If your friend tells you that you don't spend money and you only save money, then I would say that you don't need to spend extra money because of that. You spend as much money as you need to spend and don't pay too much attention to what anyone says or does not say.

That is about the importance of financial planning and personal autonomy. Planning for the future ensures stability and security, even during lean times. People can safeguard their financial well-being by making informed decisions and budgeting effectively. Everyone has their own unique goals and aspirations, and it's normal for these plans to differ from one person to another. What matters most is that people are able to pursue their chosen path and work towards their objectives, regardless of external opinions or societal norms.

Maybe we don't need to let others dictate how one should manage their finances. Input from friends or peers can be valuable, but people should prioritize their own financial independence and make decisions based on their own needs and circumstances. Enjoying life and making purchases bring happiness, but it's important to exercise restraint and prioritize financial stability.

I believe it's acceptable to live lavishly if you're certain you won't deplete your finances in your lifetime. By this, I mean having numerous successful businesses that provide substantial income. However, there's a contradiction if, despite your prosperity, you remain excessively thrifty. Regarding your friend, it's possible he became complacent, assuming his wealth would never diminish, leading to his continuous reckless spending. Nonetheless, I think even if he were more frugal, his finances would still dwindle because he hasn't invested in business or other ventures.

I hope the family background of an individual constitutes the immediate environment upon which any of the members could make success in life. However, in a low income household, a member needs to deploy an escape mechanisms that had provided success for others.
Such an individual has to rely on a well researched work and reliability of the frame as prepared by a Researcher. Otherwise, any attempt or group of attempts for an individual of such a low income household to rely on his/ her decision to make success in life would be an exercise in futility.

Not everyone can accept advice, even if it is someone close to them, but if that person cannot accept advice then it will make him upset. especially in financial matters, they will definitely think that they are using their own money without harming anyone when they shop excessively. That's what makes them not accept any advice from other people.
Yes, actually there is nothing wrong with that, because it also doesn't harm us. However, this is a form of our concern for them so we want to remind them to be more regular in spending money. We can remove things that shouldn't be too important from the shopping list.

You see people deeply in love and man that earn money on his own it’s really hard to advice them when they’re going wrong because they won’t take it if they don’t want to ,except they have realised their mistakes on their own then they’ll come back to you and be like “I should have listened to you earlier”.
So the thing is since he’s your friend I would say you shouldn’t disassociate yourself from him because even now there are things you’ve also learnt from his own mistakes stay with him and keep giving out the best of advice you can he’ll surely realise himself and stand back with your advices and then you’ll be proud to see him up again with your words.
Then he’ll never forget you or the advices you’ve given him.

About the holidays for me it’s not wrong at Least once in a while one needs to pamper his/herself for the stress of making money and a little enjoyment will just be fine. But being unreasonable about it is what I tag to be wrong

This is a very wrong narrative that life is all about enjoyments. For sure as we make money we also need to have some fun and enjoy ourselves but it doesn't need to be on a regular basis or spending money extravagantly on frivolous things all in the name of enjoyment, we live for the future as even if we won't be there tomorrow but we have offspring and loved ones who will benefit from the things we prepared for them today in the future

It is also a bad habit to spend all the money you've got with you before going to look for another, a lot of people after making some money would stop working just to enjoy themselves till they've exhausted the earned afterwhich they start looking for ways to make another money again, it's only a fool that would wait till all the money he has in his possession is gone before going to look for another.

They can only learn by getting experience in their life and a lesson given by a life is more understandable than a lesson given by a teacher. Enjoyment is also good to sustain a good life but sacrificing certain things for making both present and future better is important.

If we are giving any advise to others then they will just hear it but will do what they wants and will follow only their own rules. Think about your source of income and then manage all important functions according to earned money.

Those who still have a low income and already have a family that must be looked after and maintained well, of course they must have additional income to achieve success in their lives. Because the final decision is that there must be additional income without having to compromise on other things because without additional income it will also be difficult for family members to make the wisest decisions possible. So if there are still people with low incomes and want to be successful like most other people, of course what they have to think about is efforts to increase their income, not anything else.

Experience in life will humble them. Those that are giving advise, good advises on how they should be wiser with their habits financially have been through tough times. It's actually a good thing that they're sharing their knowledge and life experiences so that whoever is listening to them will be able to skip that trouble. But even if you're showing them your are concerned about them and they don't appreciate it, once is enough of telling them how reckless they are with their money. If they don't listen, that's enough and you don't give any life advises anymore whether it's related to financial matters or with their life decisions. Not at all times we're too generous to give advises to the ungrateful people that don't even lend their ear to listen.

I agree with you, basically everyone wants more than enough income, because that's what will make them happy. with limited income maybe they can't buy carelessly, they need to consider everything carefully. but we should be able to consider everything carefully, because there are people who have large incomes but that income runs out quickly, in my opinion it's because they carelessly spend and don't record their expenses, so when they feel they have money then they can buy what they want without thinking, and of course that's not right.

Looking for additional income is a must if we have limited income, but not everyone can do it. To be able to produce additional work, I think we have to be able to manage our time and abilities, if you feel you can still do more work then there's no harm in doing it. but if you force it, I don't think so, because it will probably only torture yourself, therefore we have to be able to make good decisions by considering it well too.

Some people don't make hay while the sun shines. They live for the present and they're unperturbed by their lavish lifestyle because they feel they've a steady flow of income. They fail to realize that nothing last forever or there's going to be some challenging moments in the future and it's that wise decision to save or set something up that they can fall back on when that difficult moment comes. I've seen this happened and sometimes these persons don't survive the fall, they develop health conditions like stroke or heart attack that may lead to their demise.

It's true, the people who can then give advice are usually people who have experienced mistakes from bad habits in managing finances, from there they already realize that it is something wrong, then we will share experiences with the aim of preventing them from doing it. the same mistakes we made in the past, even though that person was no one or just a friend.
When we have given advice and they don't want to listen, we have actually done what we should do, and if we prefer to remain silent when we have given them advice then that is not wrong. It depends on us, whether we will continue (giving advice) even though we get a bad response or whether we will stop because we feel we have enough to remind them.

We are the first to know ourselves; we know if we are responsible people, and if you trust and believe in yourself, then it is certain that every decision we make will always help us and our loved ones in life too, of course.

But even so, not every time we do what we do is right, and if we do, we learn from our mistakes, and for sure we will grow in the end. So what others often do is go into businesses, turn around the small capital, and grow it with proper management as well. So the success of each of us really depends on our hands and decisions.

Decision making is everything in life. The decision people make can make one to be rich or poor. Thst is why when making decisions we need to be careful with the decision we make that we not affect us.  Many have failed financial because of the wrong decision they make . Every thing we have in life is a result of decision both the good things and the bad things in life.

Every decisions in life would really be having that corresponding results or outcomes on which it would really be something that will determine whether you have done the right right or not.
It is really just that results will really be determined out on how you have done something whether it was a good decision or not. We do have our own common sense and will which one is wrong and right.
But of course in every decisions there would really be corresponding factors that could affect out overall outcome on which it would really be something that needs to be watch for.

We are indeed the ones who would really be that responsible for the outcome basing up on the decisions that we do make it into our lives. There are really just that
there are people who cant be able to think up well on the things that they are currently dealing and there are ones who cant be able to balance
in between those things which needs for them to mind on.

luck contributes though because we know that sometime some people could be so unlucky that every attempt of growing wealth get cancelled out like with sudden illness that causes huge medical bill to be paid out,
and so on.

but overall if you are lucky enough to be given chance to accumulate that wealth, do take advantage of that fully, maybe by investing it further so that you can multiply it faster.
there's no telling what gonna be happening in the future but one thing that we can do to take care of ourselves just in case is by simply keep on investing, creating more wealth, accumulating and reinvesting all the money.
thats the only way to go after all this world is full of uncertainty.
at the very least if we can do that we can be assured that at least we are secured enough in term of money so that we can afford whatever comes to our faces in the future.

Well, at least he got to enjoy his money. That was his goal to why he was grinding based on your story and there's nothing wrong with it. However, anything which is too much won't do you any good. He should have balanced his way of living. There's nothing wrong with finding joy from the things you spend your money with but given that our life continues as we grow older, it should be a mandatory to think of our future. Regrets do always come last, as many people believes. If this story is intended to be a lession, then for sure there's something in it, new ones could relate and make us of, and that is not to not enjoy things alone but rather be more responsible of your future if you have hopes for it.

Many people are not doing it right; some are just working and saving them end up dying early. Balance with things, is the best to do with life. You can always build a better future even if you are enjoying at the present. Things won't be fine as well if you are just working continuously. Thay's not what living truly is; enjoy and save or engage with investments at the same time. If there's a will then there should always be a way.

As long as the tip and advises have been dropped already, it is for the listener to think if they will obey it or not. But those people that are full of life experiences and had a lot of debts and financing troubles that are able to overcome it, honestly they are the ones that are best tip advisers. And they are not going to repeat what they've said because they're also done with people that don't want to listen and yet they keep on talking about such advises. But when they see someone who's too eager to learn and are experiencing the same problems, they're for sure going to be there to help not with finances but with life advises on how to overcome those problems that they're dealing with. It's hard to find such people nowadays especially when everyone just think of how to overcome the toughness of survival.

As human who seek to stability, peace and happiness, we need to have self-awareness, personal responsibility, and learning from mistakes in achieving success and growth. Those imply the transformative power of personal responsibility and proactive decision-making in shaping our destinies. Understanding ourselves and having confidence in our abilities are fundamental to making decisions that benefit both ourselves and our loved ones. This is self-awareness and taking responsibility for our actions and choices.

People dont make right decision all the time, therefore there would be the need the value of learning from mistakes. This growth mindset allows us to glean lessons from setbacks and use them to improve and progress in life. Starting small in business, then gradually growing capital through proper management, is a prudent decision-making, sound financial management, and strategic planning in achieving success in entrepreneurial ventures. Determining success by own hands and decisions is the empowerment that comes from taking ownership of own actions and the potential for personal growth and achievement through wise decision-making.

They say their money, their rules. But once they ran out of money, I’m sure they’ll suddenly need friends to rely on. This is the problem with some people that are only focused on their present without giving much attention to how their future will look. And once you come to advise them, it looks like you are the villain of their own happiness. So I think the best thing we can do is to leave these people on their own. They will finally learn from their hard lesson once things have been doing bad already and there’s no one that can help them. That’s the time they will realize that advices are not bad at all, it only becomes bad because they tend to perceive it the wrong way.

The most important thing in making a decision is that we really have to do it in a condition that is not in a hurry so that we can make a good and correct decision, because if we decide something is not in a good situation, of course it will be very difficult to make a decision that is profitable for us. We and we also have to think about the positive and negative impacts of the decisions we make.

I think those who experience failure in financial terms of course they cannot manage their expenses well so they continue to use their income on things that are not needed of course this is very bad if we cannot make decisions to use the income we have.

Don't worry too much about things, and be clear about what we should prioritize. know what we really need to prioritize and what we want to achieve in this life. because by having a clear goal, this can help us to stay focused and can prevent us from wasting time and energy on useless things.

And it is true that we try to remain calm in all the situations we face. not allowing ourselves to become emotional and panic. This can really help us to make a good and wise decision. Therefore, let's practice relaxation and meditation techniques together to help us regulate emotions and in all situations.


No matter how big the income we have, if it is not managed well, then the money we have will have no meaning at all. So learning to manage finances and expenses is quite an important thing for us to learn. With good management and spending, this can help us to avoid unnecessary expenses, and can also help us maintain financial stability.

That is why my people always said that a stubborn fly follow the corpse to the grave. two things can't work together except they agree you keeping as friend after all advice and him tagging or calling you pest is even wrong because you would have know that you both can't work together with needing any advice on that.

Most people who are more resourceful or have resourceful parents see those who don't have that their advice is no meaning, believe that life end on enjoyment is very bad notion, the problem with people with this kind of thought never reason that what you don't plant you don't reap, once you fail to invest and become consumer it will get to a point you will turn into begger.

My humble advice is to make haste when the shine don't go beyond your limit avoid any pest to free from infection.

Unfortunately sometimes you can't, because of the things that you list. Remember, if you come from a poor background, it is highly likely that you never really got to learn anything that would worth some money, you weren't raised in a full room of computer and electronics and mentors and teachers who can help you become who you are, you are not Bill Gates nor your parents are like his parents.

This means that you were never given the opportunity, even if you were so great at it, you wouldn't know it because you never get to try it. Some people get lucky and learn about it and get bigger and have a skill, but many fail to. So that means you are unqualified worker, who does manual labour work, and only have time to rest and sleep after work, so finding another job is very hard.

That's the point most people don't understand when they are recklessly spending the money they are earning. Since they earn a good income in the present, they think that they are going to do okay in the future as well so instead of trying to build businesses and assets, they focus more on their life, living a lavish life with all the things one could get for pleasure or luxury, but they shouldn't be doing that in actual sense.

Life doesn't give us too many chances, so when we have one, we need to make sure that we are making full use of it. So when we are earning good money, we should prepare for our future because we might not be able to earn the same amount in the future so if we build assets and businesses, they can help us earn money in the future even if we unemployed or struggling.

First of all, Bitcoin is decentralized and are not personally owned by every other people, government, or country except from its founders but if let's say a country honours it as their own currency, people there will also use it though it does not mean that they will not use their original currency anymore.

There will always be a demand for it because it was offline and is stable. Currency usage is not only the ones that can affect a country but I believe there is more than this. Corrupt countries also knows how to be strict but the only bad part is like you said, once they confiscate illegal stuffs, they are now the ones who will consume it.

Decision-making is an ability that improves with experience. It works like a strength: the more you use it, the stronger it becomes. And, like a body part, it can get fatigued or weak if not used often. That is why it are essential to be careful of how you make decisions, particularly large ones such as buying or selling Bitcoin.

To make wise judgments, you must be clear about your targets, understand what is essential to you, and be open to new knowledge. It is also beneficial to look into several views and potential outcomes; if we make informed judgments based on our targets, principles, and accessible knowledge, we are more likely to direct ourselves.

That's right, when we prioritize what we have to do, of course we will do it well because if we can't prioritize what we have to do, of course we will miss things that we really have to finish immediately and this forces us to do the task with necessity. work harder to be able to finish in an urgent time, but when we do the work in a hurry, of course we can't do it well because we have very little time so we have to finish it quickly. Yes, of course we have to practice relaxation techniques and meditation so that we can control our emotions in various situations, because anything that is done with emotions is very likely that we will fail in that matter.

It is indeed a very important thing for someone who has income to manage it well, because without good financial management of course we will not be able to have savings and even invest from the income we have.

I would say that some of the statements that you put forward are maybe misguided, in my own experience. Take one of your first points, people generally become wiser as they get older but it often is not enough just to read about other peoples mistakes and sometimes you will learn the lessons most forcefully as you experience them yourself - which can leave a much more memorable mark on you. Secondly, you talk about taking "income holidays" which I don't think many people would do voluntarily and it can often be a sign off a tough spot in life, maybe you did not go to university so find it harder to get that lucky break and are stuck in low earning jobs for a large chunk of your life, not out of choice but the environment built up around you.

That is a usual case, I have noticed this type of thing from several people, but what I think is the major cause of that is the inability to understand the concept that there is no difference between you and the affected person. People always see themselves different from others until what happens to others also happen to them as well. The moment you  realise that there is no difference between you and others the better. What can only make you different from others
 Is when you see things in another way from others and work towards it and achieve it. It's just like promising yourself that you will achieve something, and work towards it and later achieve it. Though it will take alot of time effort and consistency. Except that is achieved there is nothing different from you and other's.

It cannot be denied, there are some people who are too confident in what they know, and consider it to be the truth above anything else. There are people who when given advice hear it and then have the initiative to continue learning, and there are also people who find it difficult to accept it. That's why most people are late in many things, including investing or learning other skills that are not their passion, even though it could also increase their income.

That's right, because hasty decision-making will usually end poorly and even most likely end badly, although sometimes we have to take risks but that doesn't mean we don't consider them. Of course, considering everything is a must because of course we want the best from the decisions we make. It's true what you said, we must be able to think about the impact whether it's good or bad, positive or negative. Moreover, making decisions related to money or profit, we should do our best to avoid losses.

There are indeed people who only think about temporary things, so when they have a certain amount of money they feel they can buy what they want with the money they have and tend not to think about it first, and when the money runs out they start to get confused and think about where the money they have is going Maybe what you can do is keep track of your expenses so that you can monitor your finances properly, and maybe this will help.

Psychology says that a man cannot do many tasks at one time, or what is better known as multitasking. And for this reason we need to clarify the goals we want to achieve, this needs to be done so that we can focus more on these goals. because if not, then it will be quite difficult for us to achieve that goal.

and I agree that when something is done hastily it will only lead to mistakes and failure, because in this situation it is quite difficult for us to be able to produce a better and wiser decision. Even though we as men and leaders are required to be able to make decisions as quickly as possible, this is quite a difficult thing to do.
However, it is also wrong if we are slow in making decisions, because this could result in us missing every opportunity that comes.


Having some savings and investments is a dream for many people, but this will never come true if we don't have good financial management.

There should be trial and error at first when it comes to decision making. It’s not all the time that we will be able to perfect our decision, hence we need to analyze it well if those decisions will be profitable and productive in the long term or they are just good enough at the present and will not eventually work after that. Just like when you enter an investment, make sure that you are capable to manage the risk, otherwise you will end up losing all your funds.

Good decision will lead to a positive lifestyle, but if you are hitting those bad decisions in life, most likely you will live at mess. However, experience is the best teacher. You will probably learn a lot from it, and won’t never repeat the same mistake again.

Just make sure that you don't get involved in all thier activities and personal affairs because they'll eventually act like you're trying to control them,give them instructions and manuals on how they'll live thier lives.

Its not really easy to be around a person or be friends with someone who's this adamant to advice and good decisions making.Because every moment spent with them is equally time consuming and a total waste of efforts.

Every self-made decision has either a positive or negative impact to ones wellbeing,and these days,people struggle so much with decision making that they end up with an unsatisfied decision

not a surprise because lots of people can’t grasp the fact that literally anything can happen that could endanger their finances people think just because they are rich now is that they would forever be rich

you are a good friend tho sometimes we need to talk realistically to the people we care about not because we hate them but because we are concerned and we want them to get their life matters in order

Most people do end up doing stuff that are a little bit different, they usually end up not realizing that they are making a hasty decision and that's the problem. If they knew that they were making a hasty decision without enough information then they wouldn't do it, but because they really trust their instincts and invest accordingly, then it would not really be all that much of a shocker.

I think the best way to go would be just making sure that we are dealing with a good return on this, and in order to do that we need to just give ourselves some time before we make a decision no matter how long we wait. I have to say that we are going to get something that will take a while before we could get a greater result in the end.

Our decisions will either make us go far or brings us dormant to one side. Experience failure and watch your whole world crumbled before your very naked eyes, perhapes it's merely a tough lesson for correction, most people doesn't survived this phase and heads back to trenches while some are strong enough to absorbed any pressure and every negative thing life got to throw at them. Taking good decisions doesn't attract any penalty because one always find himself on the winning path and scouts for improvement in every phase in the system.

Sometimes decisions made in haste tend to end up not being good, because the magnitude is only relying on how it will be, not what it will be like later. Therefore, we must be able to consider everything well, because the decisions we make will of course determine the results we decide. Don't make decisions carelessly. It is highly discouraged to do it like that, especially if it is related to finances. Of course, don't just take any decision if you don't want to incur losses.

To be able to produce something good of course it depends on us doing it at the start, if we do it well then the results will be good, but if we don't do it well from the start then it's possible that everything will fall apart, including decision making, of course this will determine later . I think everyone doesn't do this, there are people who do it badly, and when a problem occurs then they think about dealing with it and fixing it, even though in my opinion if it can be done well at the start why have to wait for the problem to happen first .

85% of what we are going through today or the conditions we are in are as a result of the decisions and actions  we made and acted om yesterday, for everything we do there's surely a consequence that is attached to it that's life for us. If we make good financial decisions about our future today we will reap the results tomorrow when it all get matured. It is popularly noted that he who fails to plan has planned to fail. Which is why any parents that fails to teach their children the value of money and how to develop a culture for self reliance and industriousness rather than relying on anyone for their betterment. This is what most rich patents fail to bring into their children consciousness not to tely on their money for inheritance and stay lazy.

This further explains the difference between being rich and being wealthy. Being rich is just the surface and being wealthy is the root. If the root of a tree doesn’t exist, it means the top will fall eventually. It may or may not be long but gravity will pull it down. People who are smart and somehow managed to get rich would invest that money somewhere before they fall to the ground. Most people don’t have patience. The way they think is “why not spend these thousands of dollars instead of using it to open a business that would reduce my lifestyle to be spending just bucks”. But if only they know that that’s how wealthy people are made.

Honestly I don't see disassociating from him is the best move by the Op. Everyone makes mistakes yest but still obvious that ignorance is not an excuse but my message to the Op is that he should stay by him because sometimes you know who really cares for you during the times of trouble and those who could forgive you at when you've gone wrong and with the remorseful ability to adhere that you've done wrong and have decided to make your corrections.
Besides most of the persons who hadn't broken the from their visions today is as a caused to had learnt lessions from others experiences. So Op, if he can confide and leaning on you don't push him away.
Stay along with him and make him to understand that opportunities lost can no be recovered instead be are lucky to meet different opportunities so that he'd be careful and treasure with the others when it knocks at this door.

Some people behave impulsively without considering their consequences. They're foolishly spending their money as they make it, assuming the good times will never end. Your buddy, he's a prime example; cruising on high, eyes glued to the rearview mirror of "had I known." Honestly, this is about acknowledging, not knowing. Knowing that every dollar spent in foolishness today undermines their future

Your friend's reply? "What's money for if not enjoyment?" Classic yet disastrous. It's like braking a runaway train, not bothering or preaching. High inflation, asset sales, couch-surfing? That's mismanagement, not luck

Who can blame you for considering severing ties? Energy vampires take your money, spirit, and peace as well as your blood. It's a lifestyle, not simply financial smarts. Your absence might be the most profound advice. Let them bear the consequences of their choices without you

Well, you are accurate, and we ought to consider that your acquaintance may be experiencing sadness or stress. Financial pressure may have a significant impact on mental health, and it can be difficult to identify when it happens to you. In that instance, the greatest thing you can do for your friend is encourage them to consult a mental health expert. They may not be ready to hear it right now, but they have the option if they decide they are. In addition, you can take care of yourself by ensuring that you have the proper support of friends and family members, and participating in self-care activities such as getting enough sleep, a good diet.

This is indeed the case, everything we experience today is the result of what we decided and mistakes in making decisions certainly have a bad impact that we will experience now and the most important thing in making decisions is of course that we have to think carefully about the decisions we will make. so that we can get satisfactory results from the decisions we make.

As parents, of course they have to give their children an understanding of financial management, because if they pamper their children too much, of course when they are gone, of course what they leave for their children will of course not be able to manage them well and may even they spend and leave themselves with nothing because they don't understand how to manage their finances well.

That is true, there are just too many people like that. Sometimes it benefits us, because they do not care if the price would fall or not and just go all in and that period makes the price goes up, but sometimes they get out (like now) just as they shouldn't and crash the price.

For example, this recent fall was caused by people who joined very late, seeing bitcoin go up, and thinking they could make money with it, and when the price started to wobble just a bit and didn't go up, they got scared and sold, it is hard to imagine, but price went from 15k to 73k to 64k and there are people who lost money. This is why we should be more calm when we are dealing with crypto, it is really not that difficult when you think about it.

therefore we have to consider the decisions we will make, because of course we definitely don't want anything bad to happen. Many people regret that the actions they took were not considered from the start so they ended badly. Before taking the action that will be taken, it is clear in my opinion that we should be able to consider everything carefully. I'm sure there are people around us who are experiencing problems with the consequences of previous actions, and I think that can be a lesson for ourselves so we don't do things that could be equally detrimental.

That's true, of course as parents we must provide good education and direction to our children. Whatever it is, including money management, one of them is teaching saving, that's one way to educate children in managing finances. because of course parents definitely want the best for their children now and in their future.

However, in low-income households, one household member needs to implement an escape mechanism that has provided success for others. Such individuals must rely on the sound research and reliability of the framework prepared by the Researcher. Otherwise, any effort or group of efforts made by an individual from a low-income household to rely on his judgment to achieve success in life will be in vain.

I actually think this story of yours is not a new thing in our society today, it happens countless times among people in the state, and you need to understand that we all have eyes, and we look at life and things, but we all see differently, not everyone here or out of this place have common sense, because I believe that, it's what money cannot buy.

To me I believe that to whom brain is given, sense is expected, but it's a very sad reality that not everyone has sense,  in this life that we found ourselves, our decision making either improve our lives or reduce the quality of life we are living now,  because any decisions we take now, we will surely live with it, regardless of if it favourable or not.

You!re right and I have actually made it a habit to remind myself that there is no such thing as common sense. Most People might say that there are things that everyone should know but we have to understand that we were all raised in different environments and different ways. Something so common might not be as common to other people. Thinking about this prevents me from saying someone is stupid. They’re just raised differently than the way I was raised but they can still change their ways and learn new things.

Indeed, not everyone has the common sense to be able to think well about making decisions that must be made well to be able to make the right decisions. Of course we have to think well in order to make decisions that can benefit from the decisions we will make and become things. What is very important for us is that after making a decision, this can provide the best results for us and will make us develop in a better direction.

I believe that every person born in this world has a different shape, different gender, and different characteristics and intelligence. This is also included in our life principles because everyone has control over their own lives. Every problem that befalls us has our own way of dealing with it and finding the best solution. There are those who always put their heart first when making decisions and there are also those who always use logic when they have to make decisions. If these two points of view become one and conflict with each other, it could be said that the person will experience a condition where his logic and heart are not in sync with each other, and this is where reason is needed to think. Likewise, when making decisions about our future lives, we are more responsible for the results we obtain.

I think you should always have a balance between spending fearlessly and having a calculative expenditure. Your siblings are also dependent on you so you do not only have your future to secure you have many other lives too. Yes you should enjoy the weekend and spend a little because that's what you have been working so hard but it shouldn't go beyond limits.

If you do not do calculation you'll end up in these type pathetic conditions where you will starve then. Just go and have some words with guys who are more financially stable and they also look pretty happy with their lives they'll tell you the secret of how to stay happy while spending the amount you can easily afford to spend.

 I think responsible decision making is a person's ability to make choices related to personal behavior based on ethics, security and safety considerations, and norms social. As we know it. The life we ​​live now is the result of decisions we have taken before. Whatever decision has been taken, we must be ready to accept and implement the consequences of that decision.
 
 To make a decision is not an easy thing. The consideration factor that underlies decision making is one of the important things, which we should use as a guide.

It takes a time for someone who knows about Bitcoin and also who knows about investment to make a good plan to utilize any money that it generate from any investment it make utilizing your money is based on your ability to think both positive and the negative because there's some people that does not know what is the responsibility there's some people who doesn't go down to think of the future because they are seeing a weekly and the monthly money so if you are opportune to see a weekly and the monthly money you have to know that there will be a time such money will not be flowing the way you think so it is better for you do it like the money by strategizing in different ways of investment

Most people don't put their self in the shoes of others. They only judge unknowingly, ignorantly and without any justification. they don't really care what is happening with the person, they will just be making noise on what they don't know much about. And the most funniest thing about these group of people, is that, after saying all they have to say, they don't care of adjusting themselves or correcting themselves, or taking very careful cautious of not landing in to commiting such mistake. They will just be living their life  mindlessly until such things happen to them. and when it happens, some will still not take heed. They will just continue with finding wrong excuses for themselves.

And with all these your perspective, I think I am you because of the way my thoughts are same as yours. I rigidly agree with you. How can you force someone that has his brain separate to think like you do? even your child some time you can not Force him or her to do some of the things you want him or her to do.
If you don't want to be a beggar, then better save for your future. because even if death over took, your children can't be going from house to house looking for who to help them with money. instead, you will leave them with happiness. And after you have gone, they will be happily praying for you. So for those talking about not going to heaven with money, that is why they don't save, these people should try and have a rethink wisely and deeply.
Yes, these days, it's not always advisable to put mouth on issues that do not concern you.

There's more to Bitcoin than chasing green candles on a screen. This voyage is wild and will rock you if you're not mentally and financially prepared. More than just reacting to numbers, you need a strategy. Think long-term. BTC is a long-term investment. Diversifying is essential. To handle market fluctuations, diversify your investments. Instead than allowing the market dictate you, take charge

Many people get caught up in short-term gains, but then get burned. Bitcoin's main power is changing our money mindset over time, not getting rich immediately. Use this opportunity to build something, not just make money. As you walk, realize that your actions now effect your future. Think stability, not immediate wins. Smart move: sustainable growth

Anything that we do now would affect our future, and all of what we are experiencing or have right now is the result of what we did in the past.
We need to grow up and think about not just our future but also our family, for me I learned it the hard way but I am trying to make a better future for my kid.
I also used to spend on unnecessary things to enjoy, and regret it so now that I learned my lesson I started to invest my excess money to crypto.

It is never too late to invest on anything. So long you are living, you have the chance to alter your lifestyle to improve your financial status. It is only a matter of time before you will see the rewards of your decision. This is the very reason also why you can't say, it is too late to join in crypto market. This is just about your entry and exit points. If you are selling above your buying price, then, I would say, you are already doing good.

And at some point in our lives, we will indeed contemplate on things we are doing with our life. As long as you know how to change your route for the better, you have the chance to improve your life. Not only for you but for your immediate family as well.

life is like examination so anything happen for good and for benefit of us to learn and understand our fault what you said is good and then when you follow the strategies of what you said the person will make well that is why I always promote this community because here we teach you both good and here we also teach you the thing that you have to know for your life so I have nothing to say down to compliment just your statement because you have spoken my mind and I have nothing to say again

I think it's natural and possible that at that time your friend still has the upper hand in terms of finances and does not want to be disturbed by anyone, including you, plus your questions that are limiting for him.


Everyone will be aware when it comes with the pressure of needs that are increasing day by day, especially when we have a family. Someone who used to live an all-round life when the decline may be very unprepared to run it. The increase in personal debt automatically occurs at various points, once or twice it is possible that someone comes to help, but if many times come with the same condition it may no longer be true and the saying goes if remember we are safe.

You are right and there is nothing hidden about what you said, examination you said is truly a thing to say and i will say we have to examine ourselves to know if actually what we are doing is right or not but even as that we have to also crip down our ego for us to be able to learn and unlearn things from people. At some point we might be thinking that we are all right at all cost but most times could be negatively affected by our characters and attitudes which we don't know how it's hurting the next person even if they don't speak out their minds at those point but could harboring some negative taught about you towards your actions in their lives.

I guess this happens to a lot of people most especially to those who have never experienced living being poor. They won’t waste time thinking on how to grow their money and multiply them while they can, but instead they focus on enjoying every penny they earn and spend like there’s no limit. Unfortunately, when their money is used up due to luxuries living, that’s when they realize that they could have save a little and learn to invest so that they will be able to maximize the opportunity while they are earning well.

Wrong decisions will always result negative outcomes. It’s not that you can easily regain all the money that you have carelessly spend, except if you invested in highly potential investments that are sure to guarantee you massive profits in the future just like what bitcoin can do for us.

Well, trying to be positive that some wrong decisions might turn to blessings but it's true that most of the time if we're deciding wrongly we will have bad results.

If the loss is totally okay and you're going to recover from there, that's your own take on it. But any amount that comes from losses shouldn't be just thrown away freely even if you're capable of doing that. Unless, that's your attitude towards money.

Exactly. No need to be around with them and reject your advices as if all those were useless. Let them learn their lesson on their own  because that’s the best way they will encourage to take changes. Now, if they won’t change despite of their struggles, that’s already their problem. But at least you know, you have done your best to advice people like them, it’s just that they don’t care believing on you. It’s their loss actually.

Everyone who suggests something to someone else of course has a good understanding of what they are saying and after we give them advice then it is their choice whether they want to accept it or not, this is their choice.
I agree with you, of course it would be better if we could avoid those who think that what we suggest to them is not very useful for them and we can let them learn it on their own until they can realize that what they did was wrong so that they regret it.

That’s oddly optimistic lol.

But I guess it is better than being pessimistic about everything and being overly depressed when things do not go your way. I think it’s always better to do prevention than cure. So we should avoid doing poor decisions or mistakes instead of trying to fix whatever mess we have made however if it’s already done then we have no other choice.

I mean both have their points, It is not a good thing to not focus on your future, like savings, investments, insurance, etc. but at the same time if you are not going to get enjoyment at all it seems that there is no point at all to work if your not happy at all, you do work hard every day not just to survive but as well to buy something that you wanted, and eat something that you wanted, not just eating enough food. It just going to defeat its purpose or probably gonna be some kind of slave of money. In my opinion, the main issue here is buying something that you can't really afford, for sure there will always be limitations with that, I mean you surely could buy sometimes things and eat food that you want, but not really to the point where it just takes a huge percentage of your money or savings. Just like you said he's probably buying a lot of things that make him happy because he has money in his bank which I think is okay since he did have savings so he could buy things that he wanted.

Still buying things that you couldn't afford is going to be different because you are on the road to being broke meaning you're not saving anything, investing anything something like that because all of it is just going through spending, which is surely going to be a bad decision in the long run. If you want to achieve financial freedom, having a solid financial foundation is just really important, like savings, investment, insurance, and emergency funds. etc. As well as having assets and passive income. I mean you could get to the point where you could build your wealth if you are starting to earn already, but if spending all of it and not saving anything you surely not going to save anything in the end in your future.

Kind of odd but that is hope.  ;D

Yeah, it will just make the situation worse if you're going to be pessimistic with what you're dealing with. But I guess it differs per person because some don't see some slight hope when they've been into the worse and terrible situation. While some, they can turn the tides and still able to think positively even they're on a bad situation.

Listening to advices and differentiating the meaningful advice from the foolish ones is a key attribute successful people have and you need it if you want to be reasonable in life. It doesn't matter who that advice is coming from but listen to it before you make a decision whether to follow the advice or not. Spending recklessly iis not a good way to live, there are some spending that you can't avoid because they're needed for your survival but those that you can do without should be avoided. Money runs away from those that can't manage/control it to those that understand it and gives it a purpose so if you think you'll always have money after being reckless with it, you're joking.


People with this mentality don't go far in life, they have a very short lifespan for the money they have because if you're spending without reperishing the source of the money. A day will come that the stream will run dry and you'll have nothing to fall back to. Don't joke with investment, if you can't have multiple streams of income through businesses then you can turn to Investment and you'll be sorted for life. Investment comes to rescue you  in the future when you're no longer capable of working for your money as then your money will be working for you.

but if the suggestions or advice given can really help us, there's no harm in obeying it by first considering the advice given by other people. Don't see that he has more experience so that we obey him, of course it's not like that. When someone gives advice, what we have to do is respond well, because of course everyone will definitely give good advice for our future development, so we have to be able to consider it, if you don't want to do it, at least don't reject it, just accept it, but don't do it. . Respecting other people's opinions or advice is necessary.

If the advice given leads to losses or things that are not good, of course don't do it, but when someone else gives advice, we must be able to respect it, even if we are not happy with the advice, we must respond to it well, such as by responding well, in meaning asking again more clearly and in detail for the future, not by rejecting it directly. because if that's the case, maybe all that will happen is conflict with each other.

There's no point trying to fix everyone, it sounds like you've tried to educate this person to improve their finances but they choose to spend without thinking about tomorrow. It can sometimes be a good thing too, when people are young, then it can actually be wise to spend more money on trying new experiences instead of hoarding for retirement which might be 50 years away. You just need to find the right balance - I find once people have built the habit of having a small amount of savings they do not touch, they'll learn more self control and thinking beyond tomorrow. Short term thinking is the underlying problem here and when you're living with little money it can be hard to picture better financial stability.

Just do not be too open and talkative in front of anyone. Because not everyone is going to appreciate the tips that you are going to tell them.

If you have a lot of ideas and experiences to tell, do not be too vocal because not everyone is willing to take those.

They will hear you out but they are not going to be attentive.