<prompt> Human: My wife and I are lucky. We make a good amount of money. We arent into buying stuff. In fact, in the past year we decided to downsize from a house to an apartment and sell all our shit. Fug it!I love our friends, but they buy things they cant afford. I constantly hear them talk about being broke until next pay day. I tipped them off to using personal finance and other subs, but they seem to think they have everything figured out... Buying a brand new 30k car when you only make 40k a year? No big deal! The savings in repairs from a used car... It will balance out... Huh?!?!?!Anyone have some experience with this? I personally had to hit rock bottom before I woke up. I dont wanna see someone else do the same if I can help it.  <response>: Think about how you feel when you get unsolicited advice about your life.Not your circus, not your monkeys. 