Frequently asked questions about HBA

HBA offers three monthly products: Let's Goal for personal development, the HBA Funnel Builder for online marketing, and HBA Premium for advanced training and tools. The Financial Literacy Academy is a separate one-time program covering taxes, debt elimination, and wealth building.

For today's product lineup, see the current HBA products page.

HBA pays 80% commissions on personal referrals, with no ranks or quotas. You must own a product to earn commissions on it, and subscription commissions can recur while the referred customer remains active.

Review the current compensation plan and the current earnings disclosure. Earnings are not guaranteed.

HBA has operated since 2016 with real products, training, marketing tools, and a consistent compensation plan. Results depend on each person's effort and how they apply the training, so no specific outcome or income is promised.

See the full earnings disclosure.

No one can promise a specific result because your effort, consistency, and application matter. HBA gives you a structured system, ready-to-use marketing tools, and support to help you build, even if you are starting without online-business experience.

There is no set hour requirement, and many members build part time around other commitments. The Turnkey System handles much of the follow-up, so you can focus your available time on learning, sharing, and connecting with leads.

Your total cost depends on the products you choose. HBA includes the core tools and training for those products, while optional items such as domains, extra email or AI credits, and paid advertising depend on how you decide to build.

Always verify current pricing and inclusions on the products page before purchasing.

HBA gives you a Turnkey capture page, automated email follow-up, Sage AI chat, and training to help you attract prospects. You still create the traffic by sharing and promoting, while the system helps educate and follow up with your leads.

Yes. All members get the weekly What's Working Now session, while Premium members receive founder-led mastermind coaching five days a week; Sage and the HBA community are also available for everyday questions.

Eligible commissions are paid weekly on Thursdays through iPayout after the applicable five-day hold. Refunds and qualification rules can affect the exact payout timing.

The current commission page is authoritative for payout timing and eligibility: view the compensation plan.

HBA pays commissions through iPayout, with setup beginning when your first commission is ready. Available withdrawal options vary by country and may include direct deposit, check, prepaid card, or Bitcoin.

HBA keeps compensation simple: 80% commissions, no ranks, no quotas, and no multi-level structure. It also combines useful products, ready-to-use marketing tools, and ongoing founder-led training rather than offering only a business opportunity.

HBA's digital products are accessible in most countries, and the affiliate program supports members internationally. Available iPayout withdrawal methods vary by location, so check the current country and payment list.

Review the current country payment options. Availability and payment methods can change.

Paul Hutchings and Mike Hobbs founded The Home Business Academy in 2016 after years in home business and affiliate marketing. They remain involved in the company and regularly coach HBA members.

Paul and Mike created HBA after experiencing companies that changed their compensation plans or disappeared. They wanted a more stable company built around useful products, simple 80% compensation, dependable weekly payouts, and active founder support.

Yes. HBA was built without company debt or outside investors, allowing its founders to keep control of decisions and focus on long-term stability.

HBA has operated under the same founders and with the same compensation plan since 2016. No business can promise the future, but HBA's history of regular payouts, active products, and ongoing coaching gives you a meaningful track record to evaluate.

You can begin with lower-cost products instead of buying everything at once. Only start with something you genuinely value and can comfortably afford—do not use money needed for essentials or take on debt based on hoped-for business results.

Earnings are not guaranteed.

HBA does not publish a single retention percentage because the number changes dramatically depending on the timeframe and who is counted. Retention also varies by factors such as traffic quality, expectations, follow-up, and customer support, so one number could be misleading.