When I ask for advise, or an opinion to a matter, it is not an invitation to tell me how you think I should be living my entire life. And when you assume it is, it is not my fault that you get frustrated when I do not adopt your less-then-relevant ideas. It's my life. What? do you want to be responsible for my mistakes too? I-told-you-so is never really I-told-you-so because you didn't tell me about the gain with the loss. We value what we have based on our own understanding and trade as such. I am holding my own chips here in my hand. Not yours. But you can hold my other hand if you wish, as long as you don't expect it to be a leash.