<prompt> Human: I have a very close friend that I have been watching slowly drive his family towards a finical cliff. I am very hesitant to say anything for fear of ruining the friendship, and have decided to be there to help pick up the pieces But I am at a point where I feel guilty not informing him of his impending crisis. Him and his wife have no forward thinking, separate accounts, about 10k debt and growing, just had a 2nd child and she is going to quit her full time job to stay at home. I have known him for 20 years.Update: Going to have lunch with him tomorrow, may or may not talk about money, will let you know how it goes.Assistant: Thanks, all this is good advice. Once I did talk to him about his debt and recommended paying off a high interest CC before his car, and he was very appreciative of the advice. But his real problem is that him and his wife are SO dilisional about what they spend vs income. It took me a long time to realize that they had a real problem and it was not just me misunderstanding their situation. A persons spending habits are just so personal I just dont know how to go there. Hes like a brother to me so there is some bit of competitiveness that makes things even more difficult.  <response>: Have you said something like: Im concerned as a friend, would you like to talk about it You can try to get him to prove to you that his finances are OK. Its a very tough position to be in. 