I have worked with a few people who took the FPU classes. Some just don't know how to personalize it for themselves. I think possibly it is just not doing the forms. It takes time. I have got them started and they do ok after that.

Some of the people I have worked with, are not ready to make the lifestyle changes and sacrifice to do it.

Also like Dave says, it is 20% knowledge and 80% discipline.

I worked with a lady at work. She was in a real bad state. I think her motivation was, she was about to be served a court order at work.

I got her on the right plan. We got a lot of things worked out. The pressure is off and she was on a good path to be ok. Now I see her falling back into her old ways.