Yea Mike 100% on-point and new people need to know this fact! I have been around for a long time but comment almost never because I listen (read) and you don't need to be smart, you dont need a bunch of cash, heck $25 a week can be a good start, being it might be slower but a start at best. A tip to live by: Ask questions and Google the answer you get to check and find more expanded answers. If you don't get straight answers interview the program (product) before you buy to see if you relate to whom will be coaching you.