I’m on the radio every day giving financial advice to people, but I don’t grab them by the throats and make them listen. I encounter or hear about people doing dumb things all the time, and in most cases I mind my own business. Now, it’s a different story if someone asks for my opinion. At that point, I’m obligated to tell them what I think.

But if the person I’m worried about is a good friend or member of the family, I’ll try to put myself in a position where they might ask for advice. One good idea could be to tell them your story. You could describe your past problems, how you fixed them, and how much easier and secure things are now. Sometimes, when you approach a person with this kind of spirit, it becomes easier for them to get into subjects they ordinarily wouldn’t talk about.

- Dave