i understand how your friends feels..
because now i am also one of the person who tells my friends to be
more ambitious etc.
coz my friends still have a long way to go thus no plans..
but it's better to have plans..prepare for a rainy day.
something big is coming, and i'm sure not many people will want
this big thing to come but it's unavoidable.
it's not wrong not to take risk.
you can stay in your comfort zone, no worries, but as friends, they
care thus they want to have you join them earn money
if you want to help your friends, preventing them from getting
burn, suggest to them that if they can earn a million from stocks
in a period of time, than you will follow.
this simple challenge is to determine and test if you friends
really have the substance to play in shares (only those who know
real stuffs will earn $$ with little or none $$ to invest in
shares)..
if your friends - so call expert only can talk but can't produce
results, than they are just dreamers...preachers - saying and
teaching things to others when they haven done it/achieve results
themselves.
at least teachers/mentors went through the problems have
experineces than they teach and share.
if you want to know more, you can try reading Retire Young Retire
Rich, I personally learn a lot just by reading this book.
the other book which i feel is good for you is Adam Khoo's Secret
of A Millionaire's Mindset, if I didnt remember wrongly la. This
book cost only $31.95 if i didn't remember wrongly when i bought it
last yr.
worthy investment. 
