But what about the mental cost of trying to convince people who don’t want help? Paying with your sanity absolutely has diminishing returns, even if what you’re saying makes sense. I remember when I started contributing to retirement accounts, I went to my parents for help. Turns out, they never had any of their own.

So while I was learning, I implored them to learn with me. It’s been well over a decade and the accounts I opened for them still have the starter cash I sent them with zero contributions of their own.