There are multiple “voices of reason” attempting to dispense advice and information to individuals who need to change financial behavior.  We hear sound bites from significant others, parents, coworkers, bankers, business partners, and television news anchors.  We get advice from creatively-titled self help books, like You Should Just Listen to Me, and You Will Become Wealthy (OK, it’s not an actual book title, but it’s close enough).

Let’s just take a step back and consider this approach.  Do we grab the knowledge that others impart and run with it?  Or does the little voice inside our head ask, “If I take this advice, won’t I be giving up some of my freedom to do what I want with my money in the future?” 

If we do decide to listen to the advice of others, how motivated are we to work toward goals that were derived from their agendas, not our own?  Are we able to make the transition from passive recipient of information to active crusader for financial change?  Most of the time, the answer is “no.”

How do you react when people you know (family members, friends, coworkers, financial advisors) give you financial advice?  Are you more likely to make changes when people give you advice, or when you feel internally motivated to make something better in your life?  When does advice work?  When does advice NOT work?  Send your ideas!