When people hear a series like this, there are some who are going to run with it and by next year they will be testifying that this was the best thing that ever happened to them. But there are also some who will listen keenly and perhaps even take notes, but by next year, they will be at the exact same place that they would have been if they had not been here! They will still be talking about the bad economy, and the fact that they come from a poor background. They will still be financially stressed, with little financial margin, even though they might be earning more! So what will it take to belong to the first category? What will it take for you to benefit from this series?