You have given all the resources and information, but you are correct – it’s all attitude. My parents are business owners and two managers just bought brand new cars. They know the employees can’t afford the payments… and even if they do, it is setting them back from where they could be.
So many need attitude adjustments and the realization that they need to take charge of their own lives and be responsible for their debts, bills and future. *sigh* sore spot with me. J
Good for you, though, for doing what you could to steer them right.