All four of the following individuals has the Money Avoidance Money Script. Which one is most likely to be the most resistant to change?

Carla who is majoring in Social Work.

Jackie who's grandpa went through the Great Depression.

John who's parents divorced then his mom lost her home and they were homeless for 6 months.

What theory/practice was created to move clients through Pre-contemplation, Contemplation and Preparation?

Motivational Interviewing

Bounded Expectations Theory

Thomas Gordon's The Dirty Dozen

Expected Utility Theory