Why I'm showing you this: every program on earth claims its customers stick around and upgrade. Almost nobody will show you a ledger. In a study of 15 active HBA promoters, exactly zero had ever published their retention numbers - except one. Rob Fore has been an HBA affiliate since 2020, with 297 paying customers and $278,272.87 in commissions paid per his back office, checked August 2026, and he publishes the whole breakdown, including the numbers that don't flatter him. I'm sharing it with his permission because you just became an HBA member, and you deserve to see what customers like you actually do next. His numbers. Not mine, and not a promise about yours.

You almost certainly came in the same door as everyone else: 68.4% of the 297 customers made Funnel Builder their very first purchase, and 88.2% ended up owning it. So far, you're typical. Here's where the paths split:

Measured from Rob Fore's published ledger - 297 customers, 2020-2026. His results, not mine.

Read the first two rows together. A third of customers stop at the $25 tier. A quarter end up owning everything. Those groups are nearly the same size - but over a lifetime, the full-stack customer generated roughly five times the value of the Funnel-Builder-only customer in his ledger: $695 against $131.

Arithmetic on measured ownership rates in Rob's ledger - not a projection, and not a promise about yours.

The uncomfortable part, stated plainly: the median customer in his ledger paid for about three billing cycles and stopped. Not three years. Three months. Measured at export, 77.5% of his Funnel Builder customers and 83.4% of Premium customers had already stopped billing. Months three through seven are where nearly everybody who leaves, leaves.

But 13.1% of the original 297 were still generating commissions three to five years later - through a 33-month stretch, November 2023 to August 2026, where Rob ran essentially zero promotion. The residual is real. And here's the pattern that should interest you most as a brand-new member:

The customers who stuck are overwhelmingly the ones who went all-in early. Among his currently active customers, 66% own Financial Literacy and the full-stack owners dominate. Whether commitment causes persistence or persistent people commit, the correlation is strong - the people still here years later are the ones who bought the whole ladder and used it.

• 60.7% of his Funnel Builder customers ended up paying for Premium - and the single most common way was a trial that simply wasn't canceled, because two weeks inside it was enough to see the value. The median upgrade date is exactly day 14. That's not a sales cycle; it's the trial length.
• People who actually used their free trial kept it at a remarkable rate. In an earlier HBA offer that bundled two free Premium weeks, 68.7% of takers were still paying after the trial ended. The barrier to Premium isn't value - it's that people never log in.
• Your trial earns. Per HBA support (August 2026), you're commission-eligible on the $100-a-month Premium commission from day one of your free trial - meaning your first sale during the trial pays you before you've paid HBA anything. Cancel and that eligibility ends.

Financial Literacy Academy is 50% off inside your first ten days as a member - $500 by my arithmetic - and $1,000 from day eleven on. Same course, double the price. In his ledger, 30.3% of customers bought FLA - and among the customers still active today, two-thirds own it. It's a one-time purchase, so it's the one part of the ladder that churn never touches.

• 1. Log into Premium today - it's free for your first two weeks, it carries most of the tools, and the data says people who use it keep it. Put day 12 on your calendar either way (the day you joined is day 1): that is when you decide keep or cancel, and day 15 is when it bills.
• 2. Make the FLA decision by day 10 (the day you joined is day 1) - yes at $500 or a deliberate no. Not silence at $1,000. If $500 is not spare cash this week, the deliberate no is the right answer. Do not borrow it.
• 3. Judge your first 90 days by activity, not income. The median customer quits in months three to seven, usually right before anything compounds. The customers in Rob's ledger who ignored the early quiet - who kept publishing and inviting - are the 13.1% still collecting years later. If you want the step-by-step version of what to do daily, it's in The Proven Path for HBA Affiliates and the Swipe File that came with this bonus stack.

To your success,