Way back in the 80's there was a financial guru who held seminars like this. I went to one of them and of course, you signed up for his service. A friend talked me out of it but I did purchase his books. The last thing I heard about him was how he was being sue by the people to took his advice. One lady was in a car wreck and didn't have enough insurance. His advice was to cut insurance policies to the bare minimum. I don't know what happened after that but he has disappeared.