While Dave Ramsey’s and Crown’s programs help thousands of people, they are not the right fit for all. In particular, we find that they typically don’t work as well for folks with lower incomes, multiple jobs, and challenging life circumstances. Our program is perfect for such folks because we tailor our program to your specific challenges and needs, and we walk with you every step of the way. With AOF, you don’t just get a book, or even a study group. You get a one-on-one relationship with someone committed to seeing you succeed financially.