Achieve financial freedom as a young couple, even without a clear financial plan. This training introduces the H.C.C. method, revealing simple and practical strategies that, when applied correctly, create clarity, control, and momentum in your finances. Gain confidence, build aligned financial habits together, and accelerate your journey toward financial independence, ultimately strengthening both your wealth and your relationship.

Achieve financial freedom as a young couple, even without a clear financial plan. This program is designed to help couples overcome money challenges, align their financial goals, and build a strong foundation for long-term wealth.
Led by Janice Delacruz, a Registered Financial Consultant, Life Coach, BNI Training Director, Distinguished Toastmaster, and servant leader, this training is inspired by her personal journey of overcoming debt, financial struggles, and uncertainty.
You’ll be guided through the H.C.C. method, a simple and practical system to create clarity, control spending, and build consistent financial habits. Strengthen your communication around money, eliminate financial stress, and create a clear path toward financial independence together.

- Introduction to the Course: How Young Couples can achieve Financial Freedom even if they don’t have a clear Financial plan through the HCC Method in 30 Days
- Check In Questions for Self Reflection
- Background of the Trainer/Expert
- Top Three (3) Challenges of Young Couples
- Discussion of 1st Challenge & 1st Method
- Worksheet activity (Not To Do List)
- Discussion of 2nd Challenge & 2nd Method
- Worksheet activity (Money Issues)
- Giving Feedback
What role do you think debt plays in our lives, and how do you envision us managing it as a team?
Discussion on:
- Money Mindset
- Money Management
- Money System Money Personalities
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Janice Delacruz was once lost, fell into the trap of bad debts, and got scammed and hooked with get-rich-quick schemes. Money problems have become the usual argument with her spouse early on in their marriage. Realizing that this may be the same problem that young couples experience, she developed a program to address this relentless concern.
Being a Lifelong Learner, during the Pandemic she invested in programs of credible mentors like Tony Robbins, Dean Grasiozi, Blair Singer, Jack Canfield, T Harv Eker, Eric Feng, Dr. Ivan Misner, YP Lai, among others.She is a Registered Financial Consultant, Life Coach, Law of Attraction Master practitioner, BNI Training Director and Launch Director, Distinguished Toastmaster (DTM), and a Servant Leader by heart.
We offer a wide range of courses in various fields including business, technology, arts, and science. Browse our course catalog to find the perfect course for you.
This program is unique because our founder YP Lai, didn’t learn it from another expert and then teach it on his own. He developed this methodology from scratch because he was burnt out, frustrated, and overwhelmed.
This isn’t a program focused on business success… Rather it’s a system designed to help you elevate your personal life, and your business (or career).
So you get a successful balanced life where you enjoy a great income, amazing health, lots of happiness, loving relationships and most importantly, have time for yourself.
Furthermore, the continuous support and community provide an environment for sustained growth and accountability.
Although the program is tailored to address the challenges faced by entrepreneurs and corporate professionals…
The Work Less Earn More principles apply to anyone seeking to improve their work-life balance, productivity, and overall well-being.
If you are not content with your life right now, and want to have more financial resources and time freedom, then the Work Less Earn More program is for you!
Hustling is a necessity if you’re young and starting from scratch. If you’re 18-25 years old and looking to make your first pot of gold or hit your career milestones, then we'd agree that you should push as hard as possible.
But the game is different when you’re older and more established in your career or industry.
At this point, working smart rather than hard becomes much more important. As you enter middle age, your responsibilities tend to increase – this means you can’t hustle as hard as when you were younger.
That said, if you want to make more without working more… then you must work strategically instead of work more hours.
We’ve designed this program to be a holistic system encompassing 7 core areas – Money, Assets, Side Hustle, Time, Energy, Relationships and Yourself, and 5 other bonus Masteries to address specific areas of interests – Mindset, Business, Social Media, Artificial Intelligence, and Leadership.
You can take this system and dive into any area of your life you feel you’re lacking.
E.g. If you’re feeling overworked, you can visit the “Time” aspect of this program to reclaim your freedom.
Or suppose you’re looking to compound or invest your money. You can learn more about the different investment vehicles under the “Asset” category.
Simply choose your course, click 'Enroll Now', and follow the prompts to complete your registration.
The Work Less Earn More Program is structured to offer both comprehensive content and Q&A support.
With access to a private community and regular check-ins, you'll receive the guidance and attention needed to address your specific challenges.
The community of expert consultants and like-minded individuals also adds an extra layer of support and networking opportunities.
Yes, upon completion of your course, you will receive a certification that you can add to your resume and LinkedIn profile.
Your results are completely dependent on the amount of action you take for this program.I’ve designed this program to give you short-term wins and long-term transformations.If you were to implement the tips taught in “Money” and “Time”, you would see a couple of results in the short term:
✅ You will get greater clarity of your expenses and savings.
✅ You will start getting new ideas on how to grow your income – This might inspire you to start a new side hustle.
✅ You will have a shorter workweek and a lighter schedule, allowing you to knock off promptly at 5pm daily.
Now, if you commit to the Work Less Earn More program, you will surely make more money while working less.
More importantly, you will feel happier, enjoy more fulfilling relationships, and have a fitter and healthier body.

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