That's so true! I had to hit rock bottom before I realized what saving is all about. Thankfully, that happened when I was younger, so I learned my lesson early on in life.As long as no emergencies come up and they don't lose their jobs, they're not hurting anyone by not saving. The only way for someone like that to change is by going through a tough time. Some people can't envision the rainy day that some of us save for, until the storm clouds come.
If they are spending irresponsibly, why would you lend them money in the first place? I refuse to enable people who aren't good with their money.If they're family I might say something. If they're family that is always borrowing money from me, I would definitely say something. Anyone else, it's their life and their money. It's none of my business.