I find that most peoples money causes me to do a bit of a eybrow raising followed by a double blink....but then I find that with most things period (raising kids, tv viewing..education..ect)
I have noticed that for anyone who wants to change, they ask..I don't waste my time offering, though I have been known to hear a complaint on a particular bill and mention why I don't have that problem (garbage bill going up-havn't got it, don't care if it goes up
.)
I have seen a few people pick up a few habits that may be from me, or maybe they found them online like I did, but regardless I didn't lose any friends trying to convince them to be more careful.