Dear Dave,

My mom and dad are terrible with money. They’re getting older, so I’d like to see them start saving something for retirement. How can I teach them your principles?

Suzanne

Dear Suzanne,

I hate to say it, but you probably can’t. My grandmother used to say, “Those convinced against their will are of the same opinion still.” When you start trying to talk to your parents about money, you run into what’s called powdered butt syndrome. Once someone has powdered your behind, they usually don’t want your opinion on money or anything else.

Still, as parents get older, especially if you have a particular skill or expertise, they might ask your opinion from time to time. It may be hard for them to take you seriously, though, even if you’re a world-renown expert. To them, you’re always going to be their little girl.

It’s great if they will listen to you, but you’ll probably have better luck getting them in front of someone knowledgeable in the field. I’m talking about someone who isn’t you, even if they’re not quite as smart as you!

—Dave

* For more financial help, please visit daveramsey.com.