Host end i was caught by this subtitle, the exposing the dark side of the personal finance industry which a later you called the personal finance industry complex that is not only investment banks and brokers and Financial Planners also the Financial Media seminar leaders and even include yourself as of former columnist for the l. A. Times monday makeover column a and call yourself as part of the complex and point out with some guilt is you were responsible for giving people the illusion of control. What you mean by that . Guest i will backtrack. Personal finance started 1930s with the Sylvia Porter spinning out of the selfhelp business that are known for everything from saw hard Economic Times with Alcoholics Anonymous developed to Napoleon Hill sinking negative rich, various social activist movements, fascism and there are others in developing and her goal is to educate people about the Great Depression will never happen again but it is the a deal we can teach people certain skills a