How to give advice so that people will listen

I look back on my 21-year-old self and cringe. Like a bull in a china shop, I “knew” what was right, and by god, I was going to tell everyone. Friend: “Sigh, I hate banks.” Ramit: (ALARMED, I HEAR A PROBLEM I CAN SOLVE): “Why, what’s wrong?” Friend: “They just charged me $34 for an overdraft fee. That’s ...

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