The course was easy to use and understand. I did find it took a full 60 minutes although I already had all of my budget information available. At the very end you must chat with someone. It showed that I was first in the line but I waited 40 minutes. I kept checking and received a "we will be with you momentarily" but I gave up. After that, I logged back in and was then given a phone number to call instead of chat and immediately got someone on the phone. They will not give you any indication on how long the call might take. So I guess you just need to have 3 hours set aside, 1 hour, I don't know! Make sure you don't have a job you need to go to or kids to take care of while you are doing this.