One of the greatest challenges for people attempting to adopt or maintain a life of financial responsibility is the presence of financially irresponsible people in their lives. You have people who leverage social pressure to convince you to make bad spending choices or adopt bad financial habits. You have people who leverage their relationship with you in order to convince you to give them money. You have people who will ask to borrow money and never repay it. You might even have people who will directly access your funds and use them for unwanted things.