Sometimes my friends lament to me how difficult it is to get a peer they cared about a lot, to get their money shit together. 

The difficulty is that, it is difficult to motivate them, when they are doing very well. 

My answer to them is that of course its difficult to motivate them because I don’t even know how to persuade them myself. 

However, when I reflect upon this problem, I think its damn challenging to tell people to save up some emergency fund if they cannot understand how their beautiful life can become not so beautiful. How they could failed in their career with in demand skill set and energy. And why do we need to put away money and plan for an event that is 40 years away. 

I think, more than a positive aspiration, we all have an inner insecurity about making massive missteps in our