Prosperity of Life Review: Pyramid Scheme or Easy Money Opportunity [Honest Review]

In the spirit of full transparency, know that this Prosperity of Life review contains affiliate links. This means if you make a purchase through these links, I may receive a small commission at no extra cost to you. Click here to read my full disclosure policy.

Prosperity of Life Review

You’ve probably ended up on this page because someone has introduced Prosperity of Life to you. 

You’re intelligent enough to value the importance of self-development and you probably know that it has the potential to make a life-changing impact on your own life. Wouldn’t it be amazing if you could make a life-changing income at the same time? Prosperity of Life claims to be a system that can help you do exactly this.

After you read this Prosperity of Life review (with videos) you will have learned what the program is about from a totally honest and unbiased point of view.

Prosperity of Life Review – The Overview and Rankings

  • Name: Prosperity of Life
  • Owners: Rachel Krider & Shane Krider (20 out of 100)
  • Website URL:
  • Type: Network Marketing: Self Development/ Wealth Creation 
  • Success Stories: (20 out of 100)
  • Price: $153/month + upsells galore (products between $2,285- $16,190… a total of $33,950)
  • Rating: 20 out of 100

Pros and Cons


  • Good quality information about personal development and wealth building. 
  • Great motivation! If you’ve ever attended a live personal development event before then you know the buzz and energy that you can get just by turning up.
  • Potential to make high ticket sales, meaning you put in the same amount of work to get better results.
  • It’s not an MLM (multi-level marketing) company. It will show you how to market online rather than face-to-face or forcing you to recruit family/ friends
  • It has helped people to quit their job and work on their own terms.


  • It is a well-disguised pyramid scheme. You can only make money if you sell their products (most people will only buy these products if they are interested in joining the scheme).
  • The products are WAY too expensive compared to the competition
  • Strange compensation plan (find out more below).
  • You’re restricted to selling their own products… nothing else!
  • The owners are involved in a previous scam.
  • You need to spend a small fortune just to start earning from recruiting (at least $2,438).

What is Prosperity of Life?

Prosperity of Life is a network marketing company that used to be known as Polaris Global.

It was founded by Shane and Rachel Krider. Here is Rachel explaining the program in her words.

As you pay close attention to this page you’ll learn the business is based on different personal development and wealth creation products.

It even provides a “business in a box” model.

Simply put, it’s possible for you to make money by promoting their products. If you were to join their program you will be provided with:

  • Systems (to promote it)
  • Products (you don’t need to create anything)
  • Training (how to sell better)
  • Mentoring (someone to help you on the way)

Let me ask you, is this starting to sound interesting to you?

This begs the question…

So What Products does Prosperity of Life Provide?

There are 2 types of products that Prosperity of Life focuses on:

  1. Digital products
  2. Live events and conferences

Their main product line is called “Master of Destinies”, hence the M1, M2 etc. 

But if you’re like me, you may be shocked when you see the price tag for each product:

Prosperity of Life M1

Product #1 – M1: Master of Destinies  

Includes a 17 Day Personal Prosperity System & recorded content from the first events of Foundation Live, Sovereignty Live and Influence Live.

Cost: $2,285 (price if you join the business) $2,855 (20% more if you don’t)

Commission if you make a sale: $1,828

Prosperity of Life M7

Product #2 – M7 

Recorded content from the next 2 years of Sovereignty Live and Influence Live (total of 4 more events)

Cost: $4,950 or $5,740

Commission if you make a sale: $3,672

Prosperity of Life M7 Fast track

Product #3 – M7 Fast Track

This is a discounted pack that includes M1 & M7.

Cost: $6,250 or $7,820

Commission if you make a sale: $5,000

Prosperity of Life M2

Product #4 – M2 Sovereignty Live 

Participate in a 5-day live event that covers all kinds of wealth creation topics including how money works, how to invest, asset allocation, tax minimisation and more.

Cost: $7,950 or $9,940

Commission if you make a sale: $5,000

Prosperity of Life M5

Product #5 – M3 Influence Live

Advanced personal development & leadership strategies. Learn how you create your own life by the thoughts and beliefs you hold. Find out how to take control of your future.

Cost: $12,950 or $16,190

Commission if you make a sale: $8,000

Yes, the price tags on here are rather juicy. But have you noticed how much you can earn on commission?

Well, let’s dig in here a bit deeper…

How to Get Started With Prosperity of Life

If you’re like me, you probably want to know what process you will need to go through and how much you need to spend to get started with this business… 

So to make this more simple than they make it, I will break this into 4 stages

Stage 1- Interview

First of all, you need to request an interview, because apparently, not everyone is a good fit for this model. 

However, you need to have a sponsor before you can do this i.e. someone who referred the company to you. 

Disclaimer… I do not endorse this program. If you are interested in starting try YouTube to find some Prosperity of Life reviews and you should be able to find a good sponsor after a bit of research.

Stage 2- Startup costs

So if you “progress” after the interview you need to pay for a couple of things:

  1. Registration fee $39.95 per month
  2. Lead manager $29.95 per month
  3. Training portal $33.00 per month
  4. Marketing websites $49.95 per month (Online Business Manager, Lead Vortex Pro and Conference Call System)

Important note- it is very unlikely you will not be “a good fit” for them so don’t get too excited if you “pass the interview”!

You will need to pay an ongoing $153/ month to start the business. 

Stage 3- Purchase the Products You Would Like to Promote

Rachel and Shane make a good point here.

You don’t want to just promote something that you don’t fully understand. After all, who better to promote something than an actual consumer of the product. 

However… have you seen the price of their products?

This means you will have to spend a further:

  • $2,285 (M1)- $29,270 (all the products)

Are you starting to see how this adds up just to “give it a try”?

Stage 4- Earn Commission… But…

There’s one more sting in the tail before you can actually earn anything…

You will not earn any commission from your first 2 sales. 

You have to “pass up” these sales to your sponsor. 

Again, the Krider’s make a valid point that this means anyone you introduce will do the same for you when they make their first sales. This certainly gives you an incentive to make sure they understand how to promote the program and use it well, which encourages good mentorship. People helping people can only be a good thing, right?

However, it’s important to note that you will have to do this to become a qualified director for M1 and M7 separately (resulting in “passing up” 4 sales). 

But if you went down the M7 fast track route you only need to pass up 2 of these courses to be qualified for M1 and M7, plus you save $625!

Now I can almost hear your mind screaming…

Is Prosperity of Life a Scam?

There are two main ways an online course can be a scam:

  1. Take your money and run off into the sunset, never to be heard from again
  2. Provide some information but it doesn’t live up to their promises

It 100% does not fit scam type #1. 

However, it could be argued (and as you’re about to find out has been argued) that it doesn’t live up to their promises. 

Earning $100,000+ per year working 4 hours at home is a dream for most people. 

But as you continue to read this Prosperity of Life review, there are a lot of red flags surrounding this program. 

Just to be fully transparent with you, I have not purchased Prosperity of Life myself and I do not endorse it in any way so I will stop short of calling it an outright scam.

I have researched the website, testimonials, information on the Internet and watched the long (boring) sales videos, to get to the bottom of what this program genuinely does. This is because I have been burnt from programs just like this in the past and I want to prevent others from making the same mistakes. If you’d like to learn more “Ways to Spot an Online Marketing Scam” then click the highlighted text.

Related content:

Prosperity of Life Red Flags

So here are some of the hidden truths about Prosperity of Life that everyone should be aware of before giving it a shot.

Key Terms:

  • Black Hat Methods – Using lies and unethical methods to make someone buy something
  • White Hat Methods – Being honest and genuine to help people make informed decisions about purchases
  • Red Flag – A warning sign

#1 Previous Scams by Owners

This is NOT the first network marketing program Shane Krider has made!

Courthouse News reports that Liberty League, Shane’s previous venture, took more than $5 million in a pyramid scheme.

Some people will argue that it’s possible to change and Shane is making a real difference now. 

But just scan over the first paragraph in the report…

Is this starting to sound familiar to you?

#2 The Crazy High Price of the Events

Self-development is crucial to people that want to make a significant difference. 

Anyone that wants to have their own business or live life on their own terms NEED to continually improve themselves. 

However (how did you know this was coming?)… compare this to other self-development events such as Tony Robbins and Gary V who some people consider are the best in the world. 

Here is how much Gary V’s 2-day event in London in September will cost.

Gary V

Tony Robbin’s business mastery events (a 5 day deep dive into your own business) sell for under $5000 and under $1000 for the 4-day Unleash the Power Within. 

If you want to just watch recorded videos of certain events at home, have you ever heard of YouTube?…

Here’s a fact for you:

It’s hard to sell a product when you know there are better products on the market that cost less. 

#3 The Upfront Costs Just to Start

So we’ve already discovered that you need to go through the 4 phases before you make any money:

  1. Interview
  2. Buy starter pack & marketing tools ($49.95 + $153/month)
  3. Purchase products (between $2,285- $33,950)
  4. Make at least 2 sales to “pass up” to your sponsor

The lowest amount you’d need to spend before you earn anything is $2,438.

This is assuming you make 3 sales in your first month as you will need to spend $153 every month for the marketing tools.

This is never explained to you before you “try it out”… so much for “giving it a try”!

#4 Restricted to What You Can Sell- Sign of a Pyramid Scheme

You can only sell Prosperity of Life products.

There’s no training for you to earn by selling other products.

Let me ask you this… who are the people you’re likely going to be able to sell this to?


Other people that are interested in joining the Prosperity of Life program to make money from home!

Wikipedia‘s definition of a pyramid scheme is…

a business model that recruits members via a promise of payments or services for enrolling others into the scheme, rather than supplying investments or sale of products or services.”

Pyramid Scheme

Pyramid schemes are unsustainable and often illegal. Take a guess at who the real winners are in this scheme…
You got it in one! The Kriders (the owners)

Here’s a fact for you from How Stuff Works:

99.88% of people lose money in a “product-based” pyramid scheme.

#5 Pay Your Sponsor (Director) Directly 

Now this one got the alarm bells ding-a-linging!

Prosperity of Life Review

When you make a payment for a course you’ll send it to your director (person who introduced you).

So you don’t make payment directly to the company. Maybe this helps with the commission structure but it certainly seems strange!

The more you read this Prosperity of Life review, the more you wonder if it’s worth your time.

#6 What Other People are Saying About Prosperity of Life

There are too many negative Prosperity of Life reviews online to share them all. 

So here is one that I think sums it up very well.

Prosperity of Life Review


This isn’t me handpicking a bad review. You can read dozens more on the source above.

#7 Encouraged to Take on Debt to Pay for it

Now, this is one common Prosperity of Life review I found from a few different sources:

Prosperity of Life Review

Encouraging everyday people to take out a $30,000 loan to pay for the whole shebang because they will make it back quickly is BONKERS!

There are 3 big reasons for this:

  1. There is no guarantee they will make it back
  2. It may not be something they are interested in
  3. Everyone’s circumstances are different

Most people will agree that if someone is needing to take out a loan to start, they are likely someone that shouldn’t be starting!

However, think about these 2 people:

  1. A 21-year-old with no job, spouse or kids but has loving parents and can live with them
  2. A 35-year-old with a full-time job, mortgage, 4 kids and thousands of dollars of student debt

The first person can probably take a gamble and the self-development courses may well be something that sparks an entrepreneurial flair and give them focus. 

The second person could be crippled by needing to pay an extra few hundred dollars every month and not have any time to dedicate to making the program work. 

My Final Opinion – Prosperity of Life

That last example sums up my thoughts quite nicely. 

However, if you want my totally honest opinion…

It’s just not worth the money.

There are much better ways to make money and much better products on the market that cost a fraction of the price. At the end of the day, you can’t pay someone else to hold your hand and make something work for you. Gary V explains this much better…

It may be possible to make some commissions from this but the cost to entry is so high for something that you really don’t know if you’ll enjoy at all.

This system is really targeting people that probably can’t afford it.

Just think about it…

  • Successful entrepreneurs- They won’t have the time (or desire) to market Prosperity of Life. 
  • People living pay check to pay check- The people this program is really aimed at. It pulls on their emotions but they are likely to be the people that won’t have the time to see success with the marketing and selling of the products.

The end result is they are demotivated, give up and are a few thousand dollars out of pocket. 

If you have any questions and I mean any questions about Prosperity of Life, please leave them below. If you have used or currently are a member please also add your opinions below.

As you get closer to the end of this page you’ll discover that it’s possible to replace your income with an online affiliate marketing business to suit your dream lifestyle for a fraction of the costs needed for Prosperity of Life. Read more about “Affiliate Marketing Online: The Secrets to Retire Early“.

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Prosperity of Life Review: The “MakeTimeOnline” Final Word

The simple fact is…

It will be hard to sell these products now that you have read this Prosperity of Life review and know there are better products on the market that don’t cost as much. 

It’s a nice idea, but it isn’t completely honest.

Imagine what it would be like if there was a way to make money online to free up your time. There is a proven 4-step process called affiliate marketing that millions of people over the world are using to create their dream lifestyle.

The amazing thing is (and the way you can tell it’s legitimate for yourself) is that it’s completely free to start. Once you click here to try it out you will realise why so many people recommend this program to their friends. 

Keep changing for the better,


P.S. If you are interested in making money online to free up your time, check out this 1-minute video to see more information about my #1 recommended program

Wealthy Affiliate Short Video

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