<prompt> Human: I have several friends that are not doing very well fiscally. We all went to the same school and got degrees in various arts.Im doing very well now, due to progressing through jobs, learning about investing, and going back to get a graduate degree in business.Ive learned quite a lot about personal finance through these experiences, but my friends dont listen to any fiscal or career advice solicited or unsolicited solely because I was fortunate enough graduate undergrad without student loans.Completely overlooking the fact that I graduated a year early and worked part-time through school while also working an unpaid internship, Im continuously told you dont know what its like.What is the best way to give credible advice to these types of people when they explicitly ask their friend groups or when they continuously bemoan their situation in conversation, so that they want to learn more and not think of me as just a jerk that got lucky?  <response>: Most of the time when people ask for advice, they dont actually want to hear advice. They want to complain and commiserate, but they dont actually want advice. If your friends just want to complain, let them. I have several acquaintances that complain about money. I typically keep my mouth shut because Id like to keep the friendship. If a friend does ask you particularly for advice, I would recommend pointing them towards a blog or book with personal finance advice. 