I personally have a friend, who is the same age as me, who has made at least one million dollars in equity since graduation, an intelligent and kind partner, and a driven future-facing passion. I also have a friend who entered school with barely any money to her name, who is probably the unluckiest I've ever met, constantly being afflicted by a slew of financial, health, and marital problems.
It is absolutely remarkable how some in this supposedly meritocratic (with each passing day, more plutocratic) country, some people end up in direly different life circumstances. I wonder if this happens because of a lifetime of risky vs. conservative decision-making, a lacking or strong social support, or a sheer difference in prioritization.
I always want to reach out to others to help them make more financially sound and risk-aversive behaviors, but I'm always too cautious of overstepping my role as a friend, especially if I'm already known to confer judgment on those who make less-than-practical life decisions. Maybe this quality of seeming judgmental keeps people from being honest with me, which makes me realize that I must not always strike the proper tone.
How do you help the friends in your life without overstepping your boundaries?