Tell them about Mr. Micawber's philosophy and Polonius's advice -and then leave them to stew and don't bale them out.
We've all had to do without lots of things all our lives in order to make ends meet.
Right now I'd love a full 88-note electric piano rather than the small key-board I have, but I can't afford it and my sandals are beginning to wear through, so that has to be the next purchase. It's called normal living for most people I think.