"You are spending more money than you can afford.
This will result in unnecessary stress and misery in your life.
You will be happier in the long run if you reduce your standard of living to a level that's easily sustainable for you and put the remainder of your money into a substantial financial buffer for yourself."
"Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery."
-- Charles Dickens, from David Copperfield
"This will result in unnecessary stress and misery in your life."
LOL, that is very close to what I told a girl once. You would think it is the most sensitive and reasonable thing to tell a person and a good way to put it. She did not call me names, but was not thankful either.
Stop talking. Talk quietly. Stop interrupting people.
Your decision / advice is rooted in anxiety / fear. This is much more about you than about the thing you’re talking about.
I think I would be giving a lot of feedback on others' feedback: "your choice of feedback topic and presentation style is unhelpful". But probably with fewer and more impactful words.
OK, I'll go first. I'd correct people's grammar and spelling a lot, and I'd tell overweight people how to lose weight.
My full confidence as being correct/right/true:
This I believe: