Do this first: put day 10 and day 12 on your calendar, counting the day you joined as day 1. The two clocks section explains why.

The Whole Business on One Page

Every home business that lasts runs the same machine:

Find people with a problem. Put a real solution in front of them. Follow up. Do it again tomorrow.

That's it. No secret. The winners aren't smarter. They run the machine longer without stopping.

Here it is, built from what you already own with Funnel Builder:

Machine part	What does the job	Where it is
The offer	HBA's product ladder, with your affiliate ID on every link	Your affiliate license
Day-one front door	HBA's Turnkey page. HBA runs its capture page, list and follow-up for you	My Links in your HBA back office
Your own front door	Page A and Page B, your two capture pages, once your setup shows verified	Your setup page, from the "Your pages are live" email
The follow-up	Nine follow-up emails over 14 days, on your own list, PPS - $35 Machine Leads	The HBA Emailer, in your membership
The content	One channel, one piece a working day, the four daily blocks	You, plus the prompts
The upgrades	The 14-day Premium trial and the 10-day FLA window	HBA's own order forms

Notice what's missing: paid ads, a website, a big budget, an audience. You need none of them to start, and this plan never asks you to buy an ad.

Turnkey is your link until your own funnel shows verified. Then Page A becomes your default link, everywhere. Want to see a Turnkey page before you copy yours? Show me the Turnkey page. Yours is the same page with your ID on it.

The honest odds, before the path

HBA's own disclosure: for the 12 months ending July 31, 2026, the average active affiliate earned $530 and the median earned $0. 28.3% made at least one sale. Those averaged $1,871, with a median of $206.

The gap between zero and not-zero isn't talent. It's whether the machine got built, and kept running. This report is the build order.

What the Winners Actually Do

• One main channel. 91% of the 32 built on one primary channel, fed daily or close to it. Not five channels done weekly. One.
• An email list behind everything. 88% built a list they own. Content finds people. The list is what follows up.
• Almost no ads. Only 22% relied on paid ads. Of the 15 HBA promoters, only 2 pay for ads at all.
• A bonus for joining through them. 11 of the 15 offer one. You're holding one now. Every report in it rebrands itself: whoever joins through you gets their own copy, with their name and their links. There's nothing to ask for.
• Honest odds, out loud. Zero of the 15 publish their customer data. The ones who last lead with the disclosure. In a market this burned, that's the edge.
• They own the ladder. HBA pays you only on products you own. So producers own the top of the pay table before they promote it. More on that in the two clocks.

The Four Jobs

Job 1: Acquire, every working day

With a three-month median, your first customers start leaving right about when you'd expect things to build. That's the pond, not failure. So the engine never stops: one channel, the four daily blocks, every working day.

Job 2: Win each customer's first 14 days

1. Write to them within 24 hours. A real note from a real person. Welcome them, ask one question about their goal, and send their bonus link the same day.
2. Tell them both clocks in writing, on day one. Day 10 for FLA, day 12 for Premium, with the day they joined as day 1. Telling them can cost you the bigger FLA commission. Tell them anyway. A customer surprised by a charge leaves and never comes back.
3. Get them using Premium while it's free. One training, one live call, one AI tool. Someone who used Premium for ten days rarely cancels on day 12.
4. Help them earn during their own trial. A member on the trial can earn Premium commissions (HBA's policy, September 2026; confirm it yourself). One sale in 14 days, and their first $125 bill lands against money already earned.

Open My Customers every Friday, so nobody who joined gets missed.

Job 3: Defend months three to seven

That's where nearly everyone who quits, quits. They leave quietly. No complaint, no refund. The rebill just stops. Your defense is contact: a check-in at day 30 and day 75, your weekly email, and an answer to every reply. You won't save everyone. You're playing for the ones who stay for years.

Job 4: Let the ladder do the upgrading

Your Working Day: Four Blocks

From week 3 on, every working day has the same four blocks. 60 to 90 minutes, five days a week, in this order. The size of the day is yours. The order isn't.

Block	Time	Do this	Done when
1. Make	25-35 min	Make and post one piece on your one channel, from your hook list	It's live, with Page A in your bio or profile
2. Talk	15-20 min	Five real replies on other people's posts where your person hangs out. Answer every comment and message you got. Conversations, not pitches	5 replies logged
3. Invite	10-20 min	Up to five invitations, only to people already talking with you	Logged. Zero is fine on a day nobody asked
4. Log	5 min	Write today's numbers on your scoreboard	Five numbers written

The invitation that works is plain: "Happy to show you what I'm using, no pressure. It's a free guide to the 8 things people who do this well have in common." Then your Page A link. Then one more line: "I earn a commission if you ever join through my link. It costs you the same."

Your week. Monday: pick 4 hooks for the week, then the blocks. Tuesday to Thursday: the blocks. Friday: the blocks, then 20 minutes for your scoreboard review, list cleanup and, from week 4, your weekly email. That's 4 pieces a week.

A bad day has a 20-minute version: reply to everyone who wrote to you, and log it. A blown week has one rule: publish one piece before Friday.

People you already know are optional: one-to-one only, from your own phone or inbox, with the same disclosure line. HBA's Fast Start Inviter is for this lane only. It is not your follow-up.

Your First 90 Days, in Four Phases

13 weeks, about 65 working days. Every phase ends on a count you can check. Don't start a phase until the one before it hits its gate. A funnel that isn't verified turns every post into wasted traffic.

Phase	Weeks	The gate	What to expect
1. Build and decide	1-2	Setup verified, person card, one channel, 3 pieces published, both clocks decided	No sales. Maybe no sign-ups. Nothing points at your funnel yet
2. The engine turns	3-6	20 pieces published, 100 conversations logged, 2 weekly emails sent	Your first few sign-ups, or none. Sales are unlikely this early
3. Find what works	7-10	35 pieces, your best 3 named, 10 new versions of them live, 10 real questions answered	Sign-ups often come from the same few pieces. Some people make a first sale here. Many don't
4. Prove the machine	11-13	45 pieces, 8 weekly emails, 13 weeks of scoreboard, your day-90 review written	A small list and a routine you can keep. Income, if any, is small

Week 1: build the funnel, start to finish

1. Day 1, about 90 minutes: build and test your funnel. Your start page takes you through it in order: HBA's own setup checklist, a card that won't expire plus a backup card, your list and form, your branded pages, the nine follow-up emails, and a test. Block out the time and finish it in one go. Done when your setup page shows verified.
2. Day 2, about an hour. Build your person card: one specific person you're talking to, their frustration and their goal, in one saved paragraph. Quick Start Swipe #1 does it for you. Skip Swipe #2: the nine emails replace it.

Why the backup card: after a failed charge, the agreement updated August 18, 2026 gives you a 19-day recovery window, then 60 more days before your customers are reassigned. Don't spend a day of that runway.

Week 2: one channel, three pieces, both clocks

1. Monday: pick one channel. Will you show your face? Short video on one platform. Talk, but no face? Screen-recorded videos. Rather write? Posts on your own Facebook or LinkedIn profile. Set up the profile with Page A and "I earn from links I share" in it. Pick one. Not two.
2. Tuesday: write 30 hooks for your person, in one note. Quick Start Swipe #3 writes them.
3. Wednesday to Friday: pieces 1, 2 and 3, each one followed by 15 minutes of Talk. It will feel too small to matter. Post it anyway. Decide FLA by your day 10 and Premium by your day 12.

Weeks 3 to 13

• Weeks 3-6: the four blocks every working day, 4 pieces a week. On Friday of week 4, send your first weekly email to your list, even if it's four people: about 150 words, one useful thing, one link, sent from Emailer › Broadcast with Perfect Timing on. In week 5, make one piece a new version of your best so far.
• Weeks 7-10: find your best three. In the Emailer, open Contacts/CRM › Advanced Search and filter by TID to see which link each sign-up came from. Name your best 3 pieces. Publish 10 new versions of them. Then answer 10 real questions people asked you, one piece each.
• Weeks 11-13: every other piece is a new version of a top-3 piece. Don't add a second channel yet. On Friday of week 13, write your day-90 review: your best 3 pieces, how many days you did all four blocks, and the one thing you'll do more of in days 91 to 180.

If you fall behind, keep one thing: publish one piece and reply to everyone. Don't try to catch up by doubling a day. That's how week 3 becomes the last week.

Your $100 over 90 days, and no ads

When	What	Amount
Week 2	Channel kit. Face video: a clip-on mic and a phone stand. Screen recording: a USB mic. Writing: nothing	up to $40
When your free 300 credits run out, at about 33 sign-ups	One Emailer credit pack of 15,000 emails. Check the auto-reload setting first	$15
Any time	Reserve, toward keeping Premium a little longer or a second credit pack	$45

You don't need ads, a domain, a separate email tool, a course or a list of leads. None of them.

The Two Clocks: Day 10 and Day 12

Count the day you joined as day 1. Both clocks run from there. Each clock is two questions. Do you want the product? And do you want to be paid when your customers buy it? HBA pays you only on products you own.

Clock 1: Financial Literacy Academy, decide by day 10

$500 inside your first 10 days, $1,000 after. Same course, double the price. HBA's checkout gives the half price only when every product you don't own yet is in the cart, so check your own checkout.

Let it go if you'd need to borrow it, or it would touch your $100 or your bills. If $500 isn't spare cash this week, let the window close. You can buy it later at full price. That costs more. It costs less than debt.

The incentive, out loud: the affiliate who referred you earns $800 instead of $400 if you pay full price after day 10. That's why the date is here, in writing, today.

Clock 2: Premium, decide by day 12

If you joined on the $35 Starter Pack, it came with a 14-day Premium trial. On day 15 the pack becomes $160 a month, unless you cancel Premium. Trials have no money-back guarantee, so once that $125 bills it can't be refunded.

Keep it if you use the tools (the Premium section shows which), or if you're serious about the affiliate side. A customer on Premium pays you $100 a month only if you own Premium. Otherwise, $0.

Cancel it if $125 a month would strain your bills. Open your HBA Profile and choose Manage subscription. This plan works without Premium, and you can add it back later at $125.

Either way, use the trial for real: one training, one live call, one AI tool. Decide on day 12, not day 14, so a slow click or a time zone doesn't decide for you.

Why these two carry so much weight

Where the commission dollars came from, per hundred customers

Premium 61.6%

Funnel Builder 19.9%

Financial Literacy Academy 18.5%

Premium Section: The Same Plan, With Premium Tools

Premium · for readers who own Premium or are on the trial

Everything above works on Funnel Builder alone. Premium doesn't change the plan. It moves the jobs inside HBA's tools, and it makes you eligible for $100 a month on every customer who takes Premium through you. Here's each tool in the spot it belongs, with a free swap if you don't keep it:

Job	Premium tool	Free alternative	When
Plan your channel and hooks	Traffic Maestro. Start from the pre-built "HBA Turnkey System" Marketing Profile, then paste in your person card	ChatGPT or Claude, with the same person card and a hooks prompt	Once, then monthly
Draft posts and scripts	PromptWrite AI	The same prompts in free ChatGPT or Claude	Daily, in the Make block
Make images and thumbnails	Image Generator (Van Gogh)	Any free image tool	As needed
Send one video to more platforms	Smart Post	Post to your one channel only. That's all the plan needs	Every video
Turn a voice memo into a post	Transcribe Audio	Your phone's dictation	As needed
Write your weekly email	Email Alchemist, inside the Emailer	Draft in ChatGPT or Claude, paste into Emailer › Broadcast	Fridays, from week 4
Learn, and ask	Daily live coaching calls, and Sage AI for quick questions	No direct swap. Your Friday review does part of the job	One call a week

Note: Smart Post sending the same video to more platforms is distribution, not a second channel. You still do the Talk block on your main one.

Your Premium week is the same four blocks, plus one live coaching call: camera on, one question asked.

The pay table: own it to earn it

HBA pays 80% on product purchases, and only on products you own. Here's what each customer type pays the affiliate who referred them:

Your customer owns	You earn	Only if you own
Let's Goal	$8 a month	Let's Goal
Funnel Builder	$20 a month	Funnel Builder
Funnel Builder + Premium	$120 a month	Both
Let's Goal + Funnel Builder + Premium	$128 a month	All three
Financial Literacy Academy	$400 or $800, once	FLA

That's HBA's pay table, not earnings. Whether any of it arrives depends on customers joining and staying, and that's the work above. Typical affiliates earn no income; the full disclosure is at thehba.app/income.

Your prompts: The HBA Swipe File is the Premium prompt library: all 12 prompts, the three Quick Start ones included, so you can skip Quick Start. Start With These Three tells you which link to post where.

The Scoreboard

For your first 90 days, income is a poor scoreboard. It measures decisions your customers haven't made yet. Count the work instead: one row per working day, added up every Friday.

Number	Weekly target from week 3	Where to find it
Pieces published	4-5	Your channel
Real replies you gave	20-25	Your count
Invitations	Whatever real conversations allowed	Your count
New sign-ups	Trend up, from zero	Emailer › Contacts/CRM, your PPS list count
New customers	Don't set one	My Commissions, All tab

Every target is activity. None is income, on purpose. Miss a week? Fix the row that broke. Hit the first three for 13 weeks and you'll have a track record to judge, instead of a feeling.

Where This Path Leads

Same customer, different affiliate: lifetime value by what the affiliate owned

Funnel-Builder-only affiliate $131

Full-ladder affiliate $695

And the timing: almost none of a customer's value arrives in the month they join. Month four is where it often feels broken. It isn't. That's the median doing what the median does. Keep the four blocks going.

So here's the whole path, one more time: build and verify your funnel, decide both clocks on purpose, publish daily on one channel, talk before you invite, win each customer's first 14 days, and keep score on the work until the income catches up.

Your one step today: put day 10 and day 12 on your calendar, then open HBA's setup checklist.

Stuck on a step? Email , and say which part and which step you're on.