Comment: "Is it something I am doing wrong?"

(See in situ)

"Is it something I am doing wrong?"

"Is it something I am doing wrong?"

Possibly, but I'm not sure.

I find it helps to begin with something that you KNOW they consider to be true and something they'll want to talk about, and since they're complaining about money and remarking on 'how bad things are getting', start there. Invite them to participate in the discussion rather than preaching at them, because that's when you start seeing that glazed look in their eyes.

It's hard, especially when dealing with people who don't want to be preached at, but trust me, they want to talk, they WANT to preach, so let them talk, listen, test the wind, and then start hinting at the underlying truths.