The problem I face when I talk to to then is as soon as I mention the word money they shut off. It's like they think.. oh I'm happy jumping on my hamster wheel and carrying on living pay check to pay check because they're comfortable being uncomfortable every month. In their mind theirs only one way to survive (not thrive) and mentioning another option alienates them. My approach isn't even toxic either .. I just say "you're working so hard for little to no reward at all - doesn't make you feel silly?"