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             As I designed and operated a variety of programs, some worked better than others. Analysis of the programs that worked best suggested the results were dramatically better when the client was directly involved in paying for at least part of the benefits received. Not everybody has the ability to pay the full cost of all the benefits they might receive. That’s ok. If a client made a genuine commitment to do what is realistic, the results were consistently better. Not everybody is willing to pay for the benefits received, whether or not they could pay the full costs. That’s not ok. The results were usually terrible. Once again I made an important decision.

Decision: Considering that resources are always limited, let’s wait until the client is ready to pay at least part of his or her cost.

       After all nobody should get anything they are not willing to make a commitment for. That was it! “Nothing comes for free.” Or maybe, “Nothing for nothing.” That’s how the concept of 0-4-0^sm was born. 0-4-0^sm has three elements:

(1)  It takes money or some resource to help you. (2)  You should participate in paying for the help you receive. (3)  If you’re not ready, we’ll wait until you are.

       So now we know where some of the funds will come from. Soon you can develop resources to improve your own financial situation and help others.