Your friends are speaking from ignorance, I think.I wouldn't go so far as to dump your friends (unless it gets untenable), but I would avoid the topic with them, unless they genuinely bring it up to see how it is working for you.

Manipulation like this will cause more problems than you need.My best advice is to become genuinely interested in people, be fair and prompt.Frank

Whatever we use to teach financial literacy should be "wealth vehicle" neutral.... for some people, index funds paired with an engineering degree paired with hard work genuinely makes the most sense, etc, and RDPD wouldn't capture or convey that.

Personally i'm a huge fan of Chicago cash flow, because everyone I met there seemed genuine.

If you have zero bias and go in with a genuine approach of mutual respect, that is often reciprocated.

Like when i went on a camping/fishing trip, I was texting bad and forth with a new tenant coaching her on how to use electronic payment software.I decided to go 50/50 traditional/Roth, mostly because I genuinely have NO IDEA if I will take a high paying civilian job in the max tax bracket, live off and pursue real estate full time, or something in between - after leaving the service in a few years.

@Marian Smith I'm a very sarcastic person and it is pretty hard to distinguish between someone who is genuine and just tugging my shirt on here without emojis lol!

Some genuinely loathe their job, and some(probably a smaller percent) love their job.

“good enough,” and the value of giving some of our wealth away to people who genuinely need help.3.

I am genuinely excited turning beauty from ashes.