report back? Sure more income solves money problems, but tell me how you're going to get it? My guess is that nothing you could tell me you could guarantee would have results in days like the suggestions I put on my list. If you know otherwise, please share!

I don't disagree in your opinion, I just don't see how you can offer any actionable strategies that will produce a quantifiable result in a reasonable period of time. I'm in the business of producing real results for the masses of people that struggle with debt and just telling them to go make more money isn't a solution for 99% of them. Most are not as sophisticated as you and have virtually no control over their current paycheck. They just know if they don't show up for work tomorrow they won't get paid and might not have a job the next day.

Managing the money that is currently under their control to produce some immediate and real results (by changing spending habits) is the best first step for most. That's not my opinion, that's me stating facts based on working with thousands of families all across the country for nearly two decades.