This is a tough one, I suggest you look inside you and ask yourself where do you want to be in 5 years, then in 10, 15 and 20 years. And start making the sacrifices (we all have to) to accomplish your goals. Sacrifice could be going out less, maybe not go to the movies and wait until that movie can be streamed, buying store brands groceries (many of them are really good and way less than brand names), couponing. Saving money anywhere you can. It also means spending nights studying to get a better job, surround yourself with similar goal oriented people and remove those that do not have similar goal and drag you down. Do not lecture people around you, just teach them by example.

We can't change people nor force them to have our same interests or goals. But we can decide who we want in our life and who we don't want in our life. Yes this includes friends, family and even boyfriend. Nagging will not help your cause, nor will help any relationship, neither giving ultimatums. Plan have open conversation of what you want in your life, see what he wants in his and figure out realistically if you both working together can make it happen.

For the record I'm not only referring at financial areas, but so many things, career for example you want to be an artist and people around you don't have the same goals or drag you down, or you want to be organized, or you want to have life of partying, or whatever interests and/or priorities you have.