My daughter-in-law followed this plan for a while and was very happy with it. Then her daughter (my granddaughter) got diagnosed with cancer and her life became very disrupted with regular hospital stays many hours from home and no easy way to stick with the plan. My granddaughter recently was able to stop treatment and everything is going well so far. I do not know whether my daughter-in-law plans to go back on this plan but I think the structure was very helpful for her. Different people need different things.