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Sometimes, it might be the case of you need to have something he dreams of having, so that you can inspire/motivate - after all if you are saying "save! save!" and don't have anything (he values) to show for it - it's going to be a dead cause.... Cheers, The Y-man

It can depend on whether they are a "move toward" or "move away from" personality. Move toward - "saving up" for a trip, car, etc. Move away from - "saving for the rainy day" in case stuff hits the fan. In many middle class "affluent" households, the "away from" is difficult to encourage...