It is easy to engage with people who try something and see success immediately. The problem is that the chances of success the first time is a low percentage. Changing habits is hard. The average person trying to quit smoking “fails” thirteen times before they see success. If you begin to save money, but see that “Gotta have it” item, you can deplete your savings fast. This should not discourage you from continuing to save, again. Just make the rainy day fund something that, the next time, is not as easy to get for that “Gotta have it” item.
Good read and good concept for a best practice communication to your employees. Be supportive but realistic: