I usually ask how they're saving their money. Most of the time they put their money on the bank and/or they're investing it. Then I say inflation is eating away your savings. I ask them why are you investing? It's because you need to invest to not lose too much of the value of their savings.

I end with, you have to work twice for your money. The first time you receive the money you worked for. The second time you need to invest your money to not lose too much value of it. After that extra value is lost, because it's taxed.