I am retired and starting my journey out of shopping addiction! I've (almost) always paid the Visa bill in its entirety, by using every dollar of retirement income, RMDs, tax returns . . . Having exhausted it all, I've been scared straight. I printed pertinent pages, for a hands-on guide to keep me on track. Although 70+, I came up with a "side hustle" idea: selling the first-quality clothing I've bought and seldom (if ever) worn--with luck in tandem with another shopaholic. Bottom line, this Planner is not tailored to my circumstances, but a tool that I can use. I also loved your book--short, direct, and inspiring. I did not find a link to your Podcast, but hope to tap into that resource soon as well. Thank you!