Educate in general, but with each person the case is specific. You can easily say one thing but until you meet the people involved and know more financial details you cannot just say!
Allah Make us amongst the people of Jannatul Firdous ala And amongst the 70,000 who will enter Jannatul Firdous without any reckoning with Rasool Sallallahu alaihi wa sallam because of Allah’s Mercy Ameen