These times are getting increasingly difficult financially. If possible get debt-free, and stay away from the worldly way of financing things. Christians need to develop their own economic systems. Investments in land, apartments, and houses are fine. But keep in mind that our security is in Christ Jesus. The primary mission is to serve the world as a beacon light of Christ This can be achieved by being holy and undefiled, by visiting the sick, and caring for those in need. We also serve as a priest before God's presence for them. New clothes, nice cars, flamboyance, ostention, and the pride of life are not high on God's priority.
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To do this successfully you need to build a clear path of action by using tools if necessary. These tools would be facts, evidence and stories which you know they can relate to. Plus you always want to have their best interests at heart, in other words, you know what is good for them