Would you ever criticize a friend even if it means it will jeopardize the friendship?

your friend complains constantly to you about his financial problems. but you secretly know that he is a huge over spender which is why he has no savings and is always upset about having not enough money. he spends 4000 on rent per month, goes grocery shopping 7 days a week, wasted 20k sending his wife to a school which she ended up quitting after a month.

If you tell him that he is an over spender, he will get angry with you for making him feel bad about himself and he hold a grudge against you

Or... just listen to him vent but offer him no criticism or advice so that you can preserve the friendship

Would you ever criticize a friend even if it means it will jeopardize the friendship?
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