 The Ramsey Show. Xavier, do your friends pay your bills? No, they do not. Then their opinion and your personal finances don't matter. And you go, yeah, I became debt-free. And they go, hold on, how'd you do that? One of the things we find when we study millionaires is they will often tell us that their breakthrough came when they loved their friends and their family, but they no longer gave them a vote. I think your friend loves you. I just think he's stupid about money. The Ramsey Show, weeknights at 11 on KSLM, Reliable News Talk.