I am not sure I can afford it.
YOU: "You know Dave, I'm sure you are correct. It's doesn't cost you anything to check it out. Frankly Dave, with what you have shared with me I'm sure you can not afford not to do this if you want to achieve your dreams. Most can afford the business if they really want to. Where there is a will there is a way.

Do you enjoy eating out, cable TV, going out to movies, plays, sports events, or similar things? How much do you spend on these things?"

"How important is it to you to give up some of these things for a short time so that you can afford what ever you want whenever you want it?"

If they are destitute they are not good for you. You can not afford them. You are not capable of fixing the world. If they have attained maturity plus a little bit and can actually not afford it they are not likely to do themselves or you any good.

YOU: "Dave, the fact you can't afford it may be the very reason why you should join so that in a relatively short time you will be able to afford whatever you want."

We are not looking for people that NEED to make more money. We are looking for people that WANT to make more money. We are looking, primarily, for people that are already successful and want a different lifestyle. Most people in this type of situation want more time.

What they really can not afford is to keep watching TV. Watching TV is costing them many thousands of dollars a year in passive residual income.
Bob