Why not consider a financial mentorship. All this wisdom no suppose dey for just one person na, you gat spread the gospel around. Sense overflow hehehe.
You are absolutely right, saving is very important and one needs to stay out of negative influence because those kind of friends are taking their savings and investments serious in the closet.
Hmmm.
Another secret, revealed.
They could be having a great deal of savings in their closet.
Sure, it's just the truth.
People can be so unpredictable. Have seen lots of cases like that