What is 0-4-0SM?

       Nobody should get anything they are not willing to make a commitment for and work for. That was the basis of this initial philosophy. “Nothing comes for free.” Or maybe, “Nothing for nothing.” The concept of 0-4-0SM has three elements:

(1)  It takes money or some resource to help you.
(2)  You should participate in paying for the help you receive.
(3)  If you’re not ready, we’ll wait until you are.

       Now you know where the funds come from to provide the services you receive. You will pay for the services you receive, in cash or with work.
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