First, it’s none of our business when it comes to their finances. You sound desperate, like you just want the sale so badly. It shows that you are going into the person’s personal finances and challenging them. You have to be caring and the tonality has to sound that you truly have their best interest in mind. You’re there to solve a problem for them. Your prospects and customers want to feel good about their purchase. Let them make the decision, otherwise returns happen because they acted on impulse and not from their desire to buy from you.