We always make wrong assumptions about the way people place little value on training. Wait until you engage with them in a session and see the energy and enthusiasm displayed by both young, and old. It does not matter what the subject is, the participation and questions asked shows hunger for knowledge. This is mostly shown when subjects such insurance, retirement, goal- setting and budgeting is discussed. This is so because these subjects are real and practical to them. What is more moving is when they receive their certificates, to some this certificates means a huge achievement.