If they are having trouble in particular areas, the dialogue wends to those issues. I try to engage them, make them laugh and help them realize the skills they already have. Other times, he introduces them to basic skills and concepts that they somehow missed along the way. I teach them, for instance, that budgeting isn't a money issue. You can't think of expenses as pocket change.
Every expense has to be budgeted.
They're very receptive to this kind of information. Mr. Joseph noted that his 90-minute classes often stretch to two hours or longer. Sometimes, they have so many questions that I don't want to leave. I never leave thinking this is hopeless. They're always willing to listen.