i've used some in health space and one was completely overpriced for the services provided which left a bit of a bad taste but generally a lot of time you pay for the commitment and someone serving you things on a plate instead of needing to spend tons of mental effort and time figuring things on your own. that was the case for me in both cases, i think realistically for one i could've just been subscribed to the mailing list and got their "private" content out over time, it was more about the structure

i've also had a professional coach back in my corporate days which was also somewhat useful tho it was paid by the company so its hard to judge the price/performance

coaches can also be a great hack to get you to a goal much quicker if you can afford it