Definitely correct & I agree with you @exyle. Peoples must reqiure to generate enough income and it compare to expences. If they can control expences it would be best opportunity to invest their save money. The key to building a strong financial plan for the future is to understand how much they spend and save right now. This is called tracking their cash flow, and it can give them a sense of control and confidence that makes it easier to make financial changes in their life. So In fact your conversation must listen them and if follow your opinions it will be great success.