Although no two people or couples are the same, let us look at an example, a young couple John is 28 and Jenny is 24, they both work, and have incomes but their combined salaries are not up to qualifying for a mortgage in the area in which they live. Even if they could get a starter home by some means currently, it would be nothing near their dream home. They currently spend more on rent than a mortgage would cost.

 They have set their target stages as

1. Understand current position and take control

2. Clear credit cards and current loans

3. Raise funds

4. Get a home with a reasonable mortgage

5. Pay off mortgage ASAP

6. Get dream home

7. Clear mortgage ASAP

8. Build funds

9. Get holiday home, with 50% mortgage

10. Clear holiday home mortgage ASAP

They have set their target to achieve target 4 in 18 months, target 6 in 4 years and all within 8 years.

They will achieve this by, a combination of understanding, being in control and creating several extra income streams and multiplying up rapidly the money they make.

Jenny says "We were surprised just how much extra control we were able to take, and the large amount we were able to save after working on the first segment.  We have cleared all credit cards and loans now, and this is making a great difference, we have completed the next part, raising a small amount by various means and about to move on to creating a good secondary income, this will replace our current hobbies and will be both more fun and profitable, plus while we are earning the money this way, we won't be spending as much, I am confident we will meet all our targets."

John added "I have never seen Jenny as happy, she is really enjoying this, and  while I was a little less convinced before we started, I am now recommending all my friends to join. Obviously you could find out most of what we have been shown somehow, but not in a format that would be as easy to follow and act upon. I have just found out how to chop a third of the price of our dream home. The only thing we disagree about is who should read the segments first when they arrive."

Ben is in his forties, he has a  home, wife, 2 children and a large mortgage to support. With the increase in everything from council tax, motoring, tax and mortgage rates he was struggling, credit card balances and loans have increased making the situation worse.

He has set his targets as

1. Understand current position and take control

2. Get a second income stream up and running fast

3. Clear credit cards and current loans

4. Reduce mortgage

5. Then re-plan, with view to a nicer home, but with minimal borrowings.

Ben decided not to set a time scale, just to achieve it as soon as he can.

Ben says " I fell into the trap of borrowing too much, and didn't discover until later the high costs and effects of this. If I had not taken control I would have lost everything, luckily I discovered the club in time and now will be able to create a large enough extra income to get rid of the loans, card balances and in a while reduce the mortgage to a manageable level. With all the funds over that would have gone to pay loans, credit cards and mortgage I will have far more options open to me, and by then the knowledge to allow me to decide what to do next. I could not have done this on my own."

Wendy is 20, she has a job, but is not ready to commit to moving in with her boyfriend yet, but would like a home of her own. She does not want to share, and is unable to get a mortgage due to the earning multiplier used by lenders. She feels that she would like to get on the housing ladder, perhaps get an apartment now, and move to a house later when she is ready to set up a home with her boyfriend or they get married. She is currently staying with her sister and her family, who she gets on with but feels she is in the way. She currently has some savings and no significant card or other debts. She already feels she is in control, but has limited options. In the longer term she would like her own business, but wants to get the home sorted and paid for first.

Wendy has set her targets as

1. Extend her knowledge of the options, and open up more
2. Select a means of creating a good extra income that she enjoys doing
3. Get apartment
4. Learn  new skills to allow a larger salary or other options to be possible
5. Reduce apartment mortgage
6. Build savings towards getting dream home
7. Re-plan with knowledge available at that time

Wendy said "I want it all, a dream home, husband, family, and enjoyable job, ideally eventually being my own boss. While some may say I have plenty of years to achieve this, I want to see where I'm going, and be able to see all the time that I can achieve this. I just don't think I could be happy trapped in a high density place, and all my income going to pay for it, I want more out of life. I may not achieve all that I set out to, but at least I'm giving it my best effort, and what's more its the best game in town, far more fun than you could imagine and I just love setting smaller targets between my main ones and achieving them early. I think the club has opened up a lot for me but its not for everyone, after all if they could all take control and make their dreams a reality, what would they have to moan about then. I really like having my information by email, instead of the postal option, it not only saves trees but I get it faster".