What we need is a way to put some of this knowledge into practical application.
There are plenty of ways to do that that do not involve signing up for some other seminar/program/club/group/service.
0. Make a budget and live within it. Spend less than you earn.
1. Open an account a Vanguard or other low fee mutual fund company forall your investing activity.
2. Do your own research, learn about what you don't understand from books that aren't written by people selling things. These are usually in university libraries. Myron Scholes is more likely to be right about stock options than Dave Ramsey!
3. Be suspicious of anyone who tries to make you feel like you should do something without providing substantial quantitative information to support their case. Have someone you trust review all information they provide before making any decisions!
Never, ever believe someone just because they are an authority. Everyone is wrong and makes mistakes sometimes. If an expert tells you something, ask "Why?" -- If he/she can't/won't explain, move on.
Check your emotions at the door. They have no positive role to play in financial decisions.