If there's one rule about life that never changes, family will never listen to you about anything.
And when your sibling is about to buy a home or car they can't afford or your parents aren't saving for retirement because they're helping your sibling pay for an over-the-top mortgage, you'd love to start dishing out financial advice in extra helpings. So how do you get your family to listen?
Take a hint from all the books out there that talk about how to hide veggies from kids by mashing up cauliflower and spinach and hiding the wholesome goodness in cookies, brownies and mac ‘n cheese.
Get ready to puree your financial brussels sprouts into a tasty treat called Mommy A' La Mode. (More advice on teaching a family member, check out Teaching Your Partner About Household Finances)
10 cups of mom being the one to tell them what you know. Every family has the wise person whose advice the family values over everyone else's. Substitutions can be made with other authority figures such as the sibling that went to an Ivy League school or just happens to be the favorite child, Dad, Grandma or Grandpa.
2 pounds of drilling that authority figure with the information you want to give your unsuspecting relative. Print off budgets from the computer or articles from Financial Edge or Investopedia.com for supporting material. Go over the material with your relative.
A pinch of pretending you don't know what's happening when said conversation happens.
2 tablespoons of discretion.
1 bowl of Belgian chocolate gelato to celebrate finally getting through to the family member in question.
While this recipe will not leave you with any credit for the good advice you give, you will have the satisfaction that comes from the delicious combination of avoiding the whining when your relative messes up their financial life and devouring a bowl of Belgian chocolate gelato. (For more information on how to financially help the ones you love without hurting yourself, read 8 Ways To Help Family Members In Financial Trouble)