Personally, I tend to aggressively mind my own business when it comes to other people's finances - and sex lives, political or religious beliefs, eating or health habits, etc. I'll discuss these topics if they bring them up and are legitimately interested in having the conversation, but otherwise I just keep my mouth shut and let people do what they're going to do. I may *MAY* offer unsolicited advice if I'm particularly close with the person and see them making a big mistake, but if they're at all resistant to what I have to say, I just briefly state my piece and drop it.
That said, I obviously enjoy talking about credit cards and financial topics, and that's why I'm here at this forum. I assume that everyone weighing in is actively interested in having the discussion and wants other people's input. Generally, however, I never talk to family or friends about credit cards or finances.
Money tends to be a hot button subject - no matter how much or how little a person has. I know that personally speaking I can't abide anyone offering unsolicited feedback on how I spend my money or handle my finances. Indeed the only thing that'll piss me off as quick is if someone offers me unsolicited feedback on those other topics I mentioned above. Of course it's fair game if I bring it up here in the forum.
Vermonster wrote:I'm trying to help my brother out a little. He is living at home, college grad, waiting tables. He makes a boat load of cash and shoves it in a savings account. I think he has $25k in loans left and pays for everything with a debit card. He has no car, no rent, no insurance, ect. My parents aren't the best influence so I have been trying to help him out, explaining things and sending him information about cards. He is interested but hasn't taken the next step.
Personally, that doesn't sound too bad to me. At least he's saving it. A lot of conventional financial wisdom encourages people to build up very large, robust emergency funds before tackling debt or investing. Of course I also agree that now is a good time for him to begin building credit and establishing good credit habits.