What helps
'How much', a savings plan, 'you should have': that turns a person into a file. They do not have to justify themselves. A short message, with no figure, meets what it means.
If they ask for a specific help, you can answer that without making their decisions. Otherwise you do not offer a plan. You do not follow up with 'is it sorting itself out?'.
A date that returns is not a set of accounts. Each month is not a payment you are watching. Unasked money advice is not support.
Concrete example
"Thinking of you. No need to tell me the numbers."
Key takeaway
- No amount. No shame.
- A financial plan, only if they ask.
Try next time
Write with no question about the sums, and no budget advice.