I have following setup:

START PAGE:
"index.php"
--> User logs in by:
[PHP]
if (isset($_POST['login']))
{
//--> pull their user data from SQL table.
//--> Put SQL data to SESSION vars.
include"persona l.php"}
else
{include "login.php" } //This has the actual html login form.
[/PHP]

PERSONAL PAGE:
"personal.p hp"...