And I was still seeing clients at that time. I may come across as a shill, but I think you did an excellent job of writing and designing the book. Our approach is that it's practical, pragmatic, and nonjudgmental. People feel cared about. Also, clients they do plans for but they can't implement the plans because of their spending habits.
Clients come back six months later and they're worse off than before.
I'd say where the person continually sabotages the goals they set for themselves. Then others, it doesn't matter what they do, they repeat the same behaviors over and over. Consequences become more extreme, and the clients don't stop the behavior. That's when you know someone definitely needs some help. Some of the most difficult clients I've worked with are those who've grown up with the promise of inheriting money.