So I just had a conversation with my long term girlfriend not that, that matter but we have a kid together so I tried to talk to her so she cant get set up financially for my kid. Shes getting back a lot of money from school loans and grants. I tried to explain to her to put the money in a couple different options. High yield savings. Secured credit card, etc. It was like talking to a rock. She even said your confusing me. I'm just going to keep it in my student account.

For those of you who've converted or taught someone who's financial decisions also affect you how did you go about it?

I consider myself pretty financially literate but I just dont know how to explain to someone when their response is but there is a one dollar fee a year in a 10% apy account. (Obviously not real but best example I can think of.) Like really your worried about $1 a year because it's called a FEE when your making 10%. Yea but theres fees. OMG someone help me.