4. Offer Your Expertise: If you are good with finances, do not hesitate to share your knowledge. Help your friends to create a budget, showing them how to track expenses, or explaining how investments work; your advice can help them make smarter financial choices. 5. Celebrate Their Financial Wins: Celebrate even the small financial wins with your friends. Paying off debts is a WIN, sticking to a savings plan is a WIN, investing as little as $1 is a WIN, etc. It boosts morale and encourages them to keep going. 6. Hold Each Other Accountable: Hold your friends accountable when it comes to their financial goals. Don't be the Chairperson; it’s a two-way street.Be open to them holding you accountable too. 7. Show Empathy: Financial struggles can be tough. Be the friend who understands their situation and offers support without rushing to offer solutions. Sometimes, all they need is to know that someone cares. 8. Respect Their Financial Boundaries: Respect your friends’ financial decisions. If they are on a tight budget, don’t pressure them to spend more than they’re comfortable with. Respecting their financial boundaries shows that you value their well-being. 9. Stay Positive, Even During Financial Setbacks: Money issues can cause stress, but staying positive can help your friend stay focused on solutions. A little encouragement goes a long way in keeping morale high during tough financial times. 10. Encourage Healthy Financial Habits: Help your friends develop smart financial habits, like saving consistently, budgeting effectively, and investing for the future. Encouraging these habits can set them up for long-term financial success. When giving, don't expect much; you will be disappointed. Just be the one who wants to do more.