Are you taking the way friends spend money (or don’t spend money) too personally? It’s natural to assign meaning behind friends’ decisions around finances, but we have to fight the urge. Their choices likely have nothing to do with us. “Why did she choose that inexpensive restaurant for my birthday even though we went somewhere nicer for hers?” “They get their kids Starbucks every morning, but won’t be part of the group gift for [so and so.”] “She can obviously afford the girls’ trip. She just doesn’t want to come.” “She’s suddenly free for weekday lunches now that she sold her business. I can’t keep up with that lifestyle.” “They renovated their house but won’t donate to the fundraiser I organized.” To quote this week’s guest on episode #195 of Dear Nina: Conversations About Friendship, Heather Joelle Boneparth of Bona Fide Wealth, co-author of Money Together, and co-writer of The Joint Account, “You really don’t know the financial situation of anybody else. You might think you know, but you have no idea.” In Heather’s work and in the research for her book, she’s seen how complicated people’s relationship can be with money and how many factors shape choices around spending and saving. When we make financial decisions, how those choices might affect our friends’ feelings is usually just one small factor on a long list—if it’s a factor at all. There’s how we were raised to think about money, what we’re saving for, what stresses us out in the present and for the future, what makes us feel secure, and countless other influences most people around us never fully see or discuss. Let me say this directly: how our friends spend money is none of our business. And how they spend is so intricately connected to how they want to (and how they can) spend their time. Who can really be the judge of those decisions for anyone else? That said, we can’t deny that differences over financial decisions can get in the way of friendships. On episode 195, Heather and I covered:
Most importantly, we discussed why empathy matters more than assumptions when it comes to money and our friends. I think you’ll appreciate how Heather’s mind works. Here’s a sample: enjoy Heather’s analysis of the memoir, Strangers, by Belle Burden. Listen to episode #195 on Apple, Spotify, YouTube, and anywhere you get your podcasts! Get Your Tickets for “Dear Nina LIVE”
Books, Shows, Finds, and Recipes
Two Anonymous Letters You Might Have Missed (The May letter is coming next week!)Note: book and product links could be affiliate links, which might pay me .05 cents if you use it. Maybe even a whole dollar. Thank you! Let’s connect outside of this newsletter: You can find me most often in the Facebook group, Dear Nina: The Group. All the social media links are below. I know I need to get rid of some them! Instagram | TikTok | YouTube | LinkedIn | My Website You’re a free subscriber to Dear Nina: Conversations About Friendship. Curious about those once-a-month emails behind the paywall? The anonymous letters (and my answers!) come from the rawest places of friendship uncertainty. They deserve the most sensitive readers who are not going to roll their eyes, leave troll-ish comments, or make the letter-writer feel foolish for asking. If you’re willing to upgrade to this part of the newsletter, I know you’re there with the best intentions to be part of a community that’s not afraid to ask the tough questions and who will read the answers with an open heart. If that’s you, I’d love to see on the other side. :)
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Thursday, 14 May 2026
The Assumptions We Make About Friends’ Money
Friday, 8 May 2026
Specific Friendship Plans and the Fear of Leaving People Out
Specific Friendship Plans and the Fear of Leaving People OutWhy smaller gatherings can feel meaningful but complicated
One thing I loved about my conversation this week (episode #194) with Ashlee Gadd and Katie Blackburn of Coffee + Crumbs is that they came prepared with solid ideas for spending time with friends. Not vague “we should get together sometime” energy. Real plans. One idea was a “TJ’s & PJ’s” night that Ashlee heard about online. Everyone brings their favorite Trader Joe’s item. Katie shared her friends’ soup night competition with a golden ladle trophy. There was more. The common thread in all of these ideas was specificity. Specific plans create momentum and give people something to anticipate other than a dinner reservation at a loud restaurant where you can only hear the person near you. Here’s what’s tricky: specific plans also tend to create smaller groups. This is where a lot of adults get stuck. (It’s definitely an issue for me!) We want intimate, meaningful friendship time, but we also don’t want anyone to feel excluded. Sometimes the fear of hurting feelings stops people from making plans at all. Hi, I’m Nina. I foster the conversations about friendship that many of us want to discuss but are afraid to say out loud. We talked about this on the episode, and I’ve discussed it in several other episodes, because I think (many) adults struggle with this tension between wanting closeness and wanting everyone to feel included. Here’s where I landed by the end of the conversation: Not every gathering needs to include everyone. That’s not realistic nor is it sustainable. Smaller groups create the ease, honesty, and vulnerability that larger gatherings simply can’t. But we can hold that truth while still being thoughtful and gracious about how we share our plans publicly. (In other words, be mindful when posting.) HOWEVER . . . All of that said, the message I say in most episodes holds here as well. We are responsible for our feelings and it’s our job to work on the confidence we bring to our relationships. Wishing that people would stop posting pictures or stop mentioning their plans is not a good strategy. Why? We cannot control other people. Assume you WILL find out about friends’ plans whether they post those plans or not. I’ve spent several episodes talking about handling the knowledge that you weren’t invited. (Respond to this email if you’d like a list of those episodes.) It never feels great, and it’s important for us to remind ourselves why this happens, why it’s a normal part of socializing, and decide on how you will face it. (It requires self-talk each time for many of us. And that’s OK! I’m right there with you at almost 50-years-old.) Small plans, big plans, everyone is included, intimate time—it’s a balance. And honestly, most of us are still figuring it out. Listen to episode #194 on Apple, Spotify, YouTube, and anywhere you get your podcasts! Find Ashlee and Katie’s new book: new book, You’re In Good Company: The Gift of Friendship, Motherhood, and Showing Up Links About Friendship I Liked RecentlyHallie Sawyer on the friendship advice she’d give her younger self (in honor of her 54th birthday). In honor of Mother’s Day, I’m directing you to episode 164 on making mom friends with guest Alex Reed. AND to episode 179, which was the most recent one I’ve recorded with my mom. Tickets for “Dear Nina LIVE” July 29th!
Books, Shows, Finds, and Recipes
Two Anonymous Letters You Might Have Missed (May is coming soon!)
Let’s connect outside of this newsletter: You can find me most often in the Facebook group, Dear Nina: The Group. All the social media links are below. I know I need to get rid of some them! Instagram | TikTok | YouTube | LinkedIn | My Website You’re a free subscriber to Dear Nina: Conversations About Friendship. Curious about those once-a-month emails behind the paywall? The anonymous letters (and my answers!) come from the rawest places of friendship uncertainty. They deserve the most sensitive readers who are not going to roll their eyes, leave troll-ish comments, or make the letter-writer feel foolish for asking. If you’re willing to upgrade to this part of the newsletter, I know you’re there with the best intentions to be part of a community that’s not afraid to ask the tough questions and who will read the answers with an open heart. If that’s you, I’d love to see on the other side. :)
© 2026 Nina Badzin |
The Assumptions We Make About Friends’ Money
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