When you listen to the callers that are on his program you have to wonder how some of them even get dressed each morning, and its not just the poor old boy drawing down 25 to 30,000 dollars with a 75,000 credit card bill. A lot of those are drawing 6 figures and are head over heels in debt. Yea, they live in 4 & 5 hundred thousand dollar houses and have 100 thousand dollars worth of cars, credit cards maxed out and then have no idea why they are in the mess that they are in. They aren't less fortunate, they are stupid.