I've talked to my SIL for many years about money, budgeting, finances. It always went in 1 ear and out the other. Well she finally took notice when she realized we (hubby and I) are sitting better financially than we ever have been...using the envelope system for 2 years now.
I gave her Dave Ramsey's Total Money Makeover book. She's finally seeing the big picture! SIL and her hubby are in the mid 40s and have never had a budget. They barely have a retirement fund and even less of an emergency fund. If they do get money saved up their use it for who knows what.
I'm happy to report SIL has finally written out a plan/budget! She has goals and timelines. I think she's realizing changes need to be made :) I don't follow Dave Ramsey to the T. I like a lot of his ideas, but some ideas are insane and a bit extreme to me. It sounds like SIL is going to follow him according to the babysteps.
So happy she finally had her "I get it now" moment! It's never to late!