NOA

No. An OWL does not need to follow the NOA Journey. The OWL journey includes Karmic Liberation and more. An OWL journey is a 10 dimension journey for becoming an enlightened leader.

On the weekly online interaction and meditation sessions, the monk disciples lead you into key principles and practices prescribed by our enlightened masters to further your assimilation and application of the wisdom of Karma. You will engage in powerful collective [...]

Yes, you may pay through a payment plan. Single: $120,000 or $36,000 up front, and $7,636.36/month for 11 months. Couple each: $110,000 or $33,000 up front, and$7,000/moth for 11 months. 

You may join in any month, on the first day of the month?