@Sophistifunk @bonifartius
Yeah, I know exactly who you mean, because I spent a lot of time listening to the scammers too.
But, I didn't throw money at them. I am not retarded. Instead, I watched their videos, since the videos were literally the same self help concepts that I actually needed well summerized.... and then the idiot bait at the end.
When someone explains to you budgeting, fixed vs variable expenses etc, does it really matter to you, that there is an idiot bait at the end?