Not all your close friends are in the best of financial health. That you can agree with me. If you know that your friends need to cultivate better personal finance practice, how would you go about persuading them? I see this question being put out a lot and honestly I have brought zero person in real life to see the light financially. So I am honestly quite a failure in this but as a financial blogger, I would like to provide some helpful advice if you are in the same position as I was some years ago.

People have too much Baggage

And because of these mental and circumstantial baggage, there is a large inertia to do something. We all have a set of belief and values that shape our identity. For most people, that is tough to change. We are also adjusted to a lifestyle that wants seem to ......