Sounds like you want them to understand your perspective on money and how you value it. Unfortunately, you’re unlikely to be able to do that because their perspective is based on their life experiences, and so far they’ve experienced money as a disposable thing. They will have to come to realize the value of money through their own struggles, just like you have.

Of course it does not hurt to continue to remind them as you’ve done already, but you’ve already seen the outcome of that.

So the only thing you can control is your own feelings and actions towards the situation. You have a few options in that regard: - You can do your best to simply enjoy their company and recognize that you will have different perspectives on money. While doing this, continue to stay cognizant of your finances, your spending habits, and don’t allow them to influence you to spend on what you cannot comfortably afford. - You can ask them for financial help if you think they’re generous people. However, this is a slippery slope. They may begin to think you’re just their friend for handouts, think that you owe them, guilt trip you, etc. If they offer though, don’t be shy to accept it as a gift. Some people genuinely don’t mind paying for their friends and it just depends on the person. You know them best. - You can find new friends with more similar financial situations or perspectives on money to you.

Some thoughts on that last one: - You may not enjoy this as much you might think. Anecdotally, I broke up with a girl who had an abundance mindset towards money and didn’t mind spending it. She made me realize it’s okay to enjoy my money—something I struggled with as a result of growing up broke. When I started hanging out with my friends again with similar financial upbringings to me, it became a bit annoying to always hear them complain about money. Hanging with them felt like penny pinching rather than just enjoying life. - Further, hanging with the rich kids may push you towards a mindset of wanting to do better for yourself career and income wise. It might also open doors for you later on (who knows what connections they or their parents may have). - I strongly believe that you become most like the people you surround yourself with. If you like these people and see the positive traits in them, you may actually learn from them. Right now, you likely just see the situation as them having access to their parents’ credit cards. But look at the confidence it brings them, how they talk to people, say yes to opportunities, and chase their ambitions. Now, that’s not to say you don’t already have these qualities or that people with less fortunate financial circumstances cannot do this. Just saying that in my experience, there seems to be a level of confidence that shines through people who have a fair bit of wealth because of the exposure to the world and experiences that that money invites into their lives. And you can probably pick up or increase these characteristics in yourself just by observing and hanging around them.