Helping people is hard, I found a much easier approach. You have to make it worse for them: You won't solve your problem because it isn't in your nature. I'm convinced you will never find a new partner or a new job, you wont be able to pay your bills, you will be out on the street soon! If they are old I go with: If only you paid more attention in school.
Then they run out the door in rage and go do all of the things they should have done years ago. Ill pay for stuff if money gets in their way but ill remind them it is pointless, I might as well set fire to the money.
Sometimes they come back to pay me and to tell me what an asshole I am. Sometimes they come back with new problems for me to make fun of and to tell me what an asshole I am but then I at least know they need help since there is nothing convenient about my "help".