3. Become an extremely cheerful giver/lender to friends and family. A wisdom quote I read somewhere said, "if you want to lose your friends and family lend them money". Keeping doing this and you going to be successfully poor.
I am very interested with this point because have much experienced with this case, if want loss your relationship with family, friend or partner working be lender or borrowing your money for them. I think many people or lander have good patience and want loss their opportunity by borrowing money for their friend or family but in other side he really need money.
I think is one problem why many people still on poor position when borrowing their money can't get dedication to get back their borrowing due reason from borrower until respect with borrower when asking their money.
need to change with this type if want not stay in poor position, better if have difficult with financial never to give borrowing to every one need your money but they don't get guarantee to pay back your borrowing.