When it comes to dispensing advice to our loved ones, it’s difficult to know when it's worth it. And if you do decide to speak up against a bad decision only to be ignored, it can be incredibly frustrating to watch as what you predicted would happen does. If I end up in that situation, my first reaction is to dispense the requisite “I told you so.” However, time and experience has taught me that “I told you so” does little good.