Two people come into the program (we’ll call them Joe and Tom). Both are extremely excited to be a huge success and change their financial lives forever. Joe is very strict with himself; he stops traveling and stops eating out. Joe was going golfing with his friends but he cut that back as well, he cut back on everything. The first month that he was in the program it was hard but he was determined to make it work. He stuck with it and made it to the second month. [...]