All you can really do for family is keep them informed (lead the horse to water), but they need to take action on their own (drink). People set their own priorities and unless they see a need that’s higher than other needs, they won’t do anything.

Some people need to feel pain before they’ll recognize a threat. Unfortunately, being able to buy stuff on credit and the “just-in-time” mindset has put a lot of folks in a bad place if something catastrophic were to occur.