I like this article especially the first two points that it makes are critical and bother a lot of people for some reason. I can tell you from experience I have more disposable income than most of my friends. Those two points are critical.<p>I absolutely understand that I may suggest we do something that is well outside of their budget. This can be something as extravagant as a vacation or as something as simple as which restaurant you want to go to. There are always those people who don't understand the concept of money budgeting and finances but most people with moderate or even high wealth didn't inherit it they earned it and so they still conceptually understand these things. So simply mentioning that it's not within your budget gives a real legitimate concern and then being able to accept that some or all of it may be paid for.<p>Generally if I'm suggesting something like this to my friend I already have an idea that it may be out of their budget. When they bring it up we can just have a very honest conversation about what would be in their budget and maybe they pay something and I pick up the rest. Because as my friend I know they're not extorting and exploiting me for money but I want them with me to enjoy the time that I'm having.<p>Now this dynamic gets turned on its head when you're less affluent friend constantly asks you for money or to take them places outside of the budget. That person quickly stops becoming a friend because I'm happy to do very modest things with my friends as well because they're my friends first. The financial difference is not really relevant to a true friendship.