Has anyone lost time and money with this one. Everyone that I work with can see our co-worker drowning in debt but keeps clinging to the dream of “Rexall” She is a clerk and her husband is on disability yet she flys to conferences and stays at top-notch hotels? She doesn’t own a home, has maxed out credit cards, yet goes to dinner meetings with these people once or twice a week? she is so impressed with her sponsors because they are a lawyer and a doctor. I feel bad for her because she is a hard worker who was very frugal with her money.