Focused intensity is required to win. I can't stress enough that people who took control of their finances and worked their way out of debt got mad. They got sick and tired of being sick and tired! They said, "I've had it!" and went ballistic to change their lives. There is no intellectual exercise where you can academically work your way into wealth; you have to get fired up - There is no energy in logic; this is behavior and motivation modification, and it works.