Ok, I got a little worked up at the end of the first section, because it matters.
What's your learning style?
If you're like me... I had us in mind when I came up with the money "membership."
It's a way to still learn on your own but with some structure, but gives you that priority support that people like us want to make sure we don't waste time staying stuck on something.
Of course, we're about "$mart" money here, and just like with insurance, the power of the "group" rate keeps it affordable and sensible, because let's face it, we're pretty low maintenance :)