When I met my spouse, they were firmly entrenched in the idea that they would have to work forever, despite having a good job and having frugal habits. I was able to introduce them to the concept of retiring early, and got them to max out their tax advantaged accounts. They do tend to lean towards much more risky investments than I would, but at least they are mostly on the right path. Now they dream of retiring to a hobby of flipping stuff they find on Facebook.

I don’t really share my investment philosophy with others though. With people who don’t make as much, it could come across as bragging or rubbing their face in it. I’d rather just be a moral support for when they are struggling. If someone asks for advice, then I’m super open with what my philosophy is for my money.