It may be good for you to spend some more time alone. Is it very unfair to accuse you of being unprogrammed? He thinks that you can easily spend the time you spend together for other things.
New trends in your business contacts these days are very modest. But this is a situation related to the process. You cannot see the support of a friend in your business life from him. He now has many possibilities but seems to avoid sharing these possibilities with you.
You will not regret if you invest. Your little accumulation confuses you. While your relatives try to convince you about an investment, they have some rightful concerns that you have created.
You should not think that saying no or refusing will be disrespectful in any case. You may want to reject the invitation that is not appealing to you at all. This is so natural.