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What a 20-Foot Storm at Sea Taught Me About Investing in Yourself

October 24, 2026by Albie Derbyshire
Albie at the wheel of his sailboat, steering into towering storm waves

“They look like they’re ready to kill us!” I shouted into the driving wind.

I wasn’t being dramatic. I was talking about the waves — twenty-foot giants, stacked up on every side, and not a single one of them cared how ready I felt that day.

And the funny thing is, years later, that storm taught me the single biggest lesson I know about investing in yourself — the thing most people talk themselves out of with four little words. But I’m getting ahead of myself. Let me take you out on the water first.


Twenty-Foot Waves Don’t Care If You’re Ready

For sure, the ocean wasn’t playing games with us that day. And if it was, we were losing badly.

We’d sail up the trough of a wave, frighteningly fast, then punch straight through its top — sending tons of white spray cascading like a waterfall the whole length of the boat, a full twenty feet from bow to stern. Then down the back of it, and straight up the next one. Over and over, the ocean drenched us to the bone.

White spray exploding over the bow as the boat punches through a storm wave

Here’s the one thing the sea hammered into me that day, and it’s dead simple: you do not play games with the ocean. You take it seriously, or it takes you. It doesn’t check whether you feel prepared. It just sends the next wave, and the one after that.


“I Can’t Afford to Invest in Myself Right Now”

Now — what’s a soaking-wet sailor got to do with you, reading this on nice dry land? More than you’d think.

Because that exact rule from the storm — the ocean doesn’t care if you’re ready — turns out to be the same rule for any dream you’re chasing. Success doesn’t care about your excuses either. It just keeps sending waves.

A sailboat knocked hard over as a storm wave crashes into it near the rocks

And of all the excuses, there’s one I hear more than any other, almost word for word: “I’d love to, Albie, but I can’t afford to invest in myself right now.”

I get it. I really do. I’ve been there — working paycheck to paycheck, sitting at the kitchen table doing the math, wondering how in the world anybody ever breaks free. So I’m not about to wag my finger at you.

But here’s what finally flipped it for me, and brace yourself, because it’s almost annoyingly simple. Those twenty-foot waves didn’t wait around for me to feel prepared — and neither does the life you actually want. At some point you quit waiting to feel ready, and you just decide to mean business. The difference between me now and me back then isn’t talent or luck. I just chose to bet on my own future anyway.


What Actually Got Me Through: Training, Tools, and the Right People

So what actually carried me through that storm? Not luck, and definitely not some secret. Three plain things:

The Right Training

I’d learned how to handle a boat before the weather turned mean — not during it.

The Right Tools

The boat, the rigging, the wheel in my hands were all built to take a beating.

The Right People

I wasn’t out there alone, guessing and hoping.

And here’s the part that’ll save you years: it’s the exact same short list for building the life you want. The right training, so you’re not guessing. The right tools, so you’re not doing every single thing by hand. And the right people around you, so you’re not white-knuckling it solo at the kitchen table at midnight.

That’s the whole thing. Folks turn “how do I change my life” into this giant foggy mystery — usually right before they go buy a $2,000 course about it. It really isn’t a mystery. Learn the thing. Get the tools. Find the people who’ve already done it. The only real cost up front is deciding you’re worth the investment.


A Tiny Crew, Real Numbers: How 24 People Can Set You Free

That storm taught me I can't do it alone. But here's the thing: I don't need a whole navy, either. Picture an old longship with a small crew pulling together and letting the current carry them the rest of the way. I call that the longship principle.

This is where the longship principle stops being a nice metaphor and turns into plain math. Most affiliate programs pay 20–40% commissions, which is exactly why they need you to recruit an army. The Home Business Academy (HBA) — the vehicle I actually use — pays 80%, from day one. No rank requirements. No hoops.

That works out to $128 per customer, every single month, paid residually if they are on the full suite. Here is what happens as your tiny crew grows:

ReferralsMonthly ResidualNet After Your Sub
2$256+$96
5$640+$480
10$1,280+$1,120
24$3,072+$2,912

2 referrals and you are already in profit — that is not hype, it is just math. 24 referrals and you are looking at a full-time income. Not 24,000. Not 2,400. Twenty-four people.

And here is the part most people miss: these are real products people actually use to run their businesses. That is why they stay — and when they stay, your income stays. A small crew, the right vehicle, and the current doing the work for you. That is the whole longship idea.


Make Your Dreams Storm-Proof

Those waves taught me something I still think about all the time: you can’t control the storm. You can only decide, ahead of time, whether you’re the kind of person who meant business before it ever showed up.

If you’re tired of waiting to feel ready — if you want to see the same training, tools, and people that finally made my own dreams storm-proof — I’d genuinely love to show you how.

Email me back with one word: TELL ME MORE — and let’s talk about making your dreams storm-proof too.

~ Albie
6267-379-5692
SailingWithAlbie@gmail.com

Required Legal Disclaimer: Typical affiliates earn no income. This is not a get-rich-quick program. No sales = no income. Full earnings disclosure: thehba.app/income

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