"If you want to build a ship, don't drum up the men to gather wood, divide the work, and give orders. Instead, teach them to yearn for the vast and endless sea."
- Antoine St Exupery
There is wisdom in this quote. We can put it to good frugal use if we think just a little bit. Is there someone you know who could benefit from learning to save money or controlling expenses? Don't try to teach them how to do it. Instead, teach them to want to be debt free or to be able to live in comfort and even with some excitement while staying within their income.
In other words, don't talk so much about what it takes to do it. Talk about what it's like after you've done it. Did you wait a year while saving money to take the vacation of a lifetime? Don't harp on that. Instead, tell them how nice it was to not have to worry about paying it all off when you got home. Talk about how relaxed you were for weeks afterward. Spark in them the desire to do the same; make them envious of your lifestyle.
And if they call it good fortune or good luck, then you can tell them how you make your own good luck!