I purchased Russ Dalbey's "Winning in the Cash Flow Business" instructional DVD and nothing else. They tried VERY hard to upsell. I declined. A few days later I kept receiving calls...I finally answered and it was a representative from Winning in the Cash Flow business. Angela told me about this fascinating program that is going on right now which you had to be interviewed in order to be selected. If after speaking to you and asking a few questions she felt that you would be a good candidate, she would refer you to her Director for the "second" interview. Her reputation was on the line so she needed to know that YOU are the perfect candidate to be a part of this educational program and to start earning thousands of dollars right away. ...but wait...there is a price. However, we didn't get that far. I asked her how much she made from this cash flow business. Her response was that Russ Dalbey's staff is not allowed to enter into this business...it's a conflict of interest. I replied, "Then you must be paid very well to do this type of job” She stated, yes, she receives a modest salary. She further stated that she owns three real estate properties in Denver, CO and is on her 6th car at the age of 30. When she asked me what I currently do for a living which is servicing commercial real estate loans she asked to put me on hold as "her headset was not on her head right and needed to readjust it". ...I think she needed to consult with her coach how to proceed with the "interview". Two minutes later she was back on the line and asked more questions about my job. I told her I was an administrator, stuck in a rut, with no time on my hands looking to get out of debt. Then we continued. Occasionally, I would hear clapping and yelling in the back ground. I asked her what the commotion was about and she laughed and said "Russ is in the office and when he walks by everyone gets excited". Finally I was done playing with her sale game and ended the call. I told her to call me back...I was on the clock at work and needed to finish a few things before leaving. If you ask me this is a scam! They ask questions to find out what your weakness are and then use that against you. They are trained to paint a dreamy picture of how you could live a rich and successful life worry free forever. ...and for a price all this is attainable within a few months. Good Luck!