"I'm really struggling in terms of changing with my belief towards money and how it ties to survival," says one caller. "There's this part of me that like doesn't want to work, honestly... And there's also a part ofme that, like lacks direction", she adds. The callers are at the contemplative stage of change where they're not motivated to take action on their problems. They then move into preparation - when they know what they want but can't do it right now.