Well, for what it's worth, if you haven't been thanked, you deserve it.

I've avoided many mistakes due to my friend's sobering assessment of things and I've done the same--though arguably much less so--for him.

At the same time, he serves the opposite purpose, too. He'd build up an idea that he saw value in, which others missed, and would go all-in on it. He frequently referred to the biblical idea that "iron sharpens iron". It's not really the way people operate, but if you're willing to sign on, it'll change your life. :)

Thanks, one of them has gone from living pay check to pay check and loosing £100 or so a month to putting offers in for his first house after I told him he was “living like a student and needs to buckle down”. we went through his finances and 12 months later he’s nearly a home owner - that’s all the thanks I need