well said on the networking, like it or not it's the way to make it most of the time (speaking of which, I should start doing some of that...)

my take on these "clueless people" is, quite frankly, let them do as they do. if they want to pay more, not use rewards cards, or become savvy consumers, let them. then all the more fun and profit to be had for us who know what we're doing. I'll make exceptions for family and friends, because I can't stand to see reckless spending, but unless someone specifically seeks advice, why go out of your way? if they're not interested in your tip on how to save 5% on gas, move on and be glad you know these things.