You have two choices: You can make a living, or you can design a life.
Show your contempt for the problem and your concern for the person.
When asked to give a speech never turn it down. It is a chance to develop you and to give new insight to others
On any one day you can massively change the direction of your life.
'No' puts distance between you and the wrong influence.
If you spend five minutes complaining, you have just wasted five minutes. If you continue complaining, it won't be long before they haul you out to a financial desert and there let you choke on the dust of your own regret.