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Is Credit Star Funding A Scam? Massive Ponzi Scheme!

Credit Star Funding Scam

So you’ve probably found out about this way to get a loan a potentially make a lot of money from it. Now you’re probably wondering “is Credit Star Funding a scam?”

I’m not going to drag this one out for you… it’s a scam and not a great way to go about getting out of debt or making money.

The rest of this honest Credit Star Funding review, with videos, will explain exactly what the company actually does. This will help you to make an informed decision about whether it’s a good idea to get involved with them.

Credit Star Funding review- The overview and rankings

Name: Credit Star Funding

Owners: Riccardo Ferrari

Website URL: creditstarfunding.com

Type: Loan and Investment MLM

Products (Including Pricing): 0 out of 100

Success Stories: 0 out of 100

Price To Join MLM: Free to start but additional fees and hefty interest fees (1 out of 100)… oh and it costs $5,000-$6,000 to fix your credit score!

Maketimeonline.com Rating: 1 out of 100 (check out my #1 recommendation, 97 out of 100)

What To Look For In An MLM:

  • Low start-up fee & maintenance cost– ❌
  • High-quality affordable products – ❌
  • You don’t have to carry inventory – ✅
  • Generous compensation plan – ❌
  • An affiliate-like system – ❌
  • Company is in the early momentum phase – ❌

Credit Star Funding pros and cons


  • Helps people improve their credit score (for an insanely high price)


  • Unrealistic returns
  • Fishy owner reputation
  • It’s a pyramid scheme
  • It doesn’t provide professional financial advice
  • Ponzi schemes are illegal
  • Puts people into more debt

What is Credit Star Funding?

Credit Star Funding is a company that fixes credit scores and provides loans and investment opportunities.

They claim not to be a Multi-Level-Marketing company, but they are very similar to one…

Here’s the Wikipedia definition:

A marketing strategy where the revenue of the MLM company is derived from a non-salaried workforce selling the company’s products/services, while the earnings of the participants are derived from a pyramid-shaped or binary compensation commission system.

But no no… Credit Star Funding is a “Two-tiered agency”…

Credit Star Funding Scam

I’m not sure if it’s just me, but does this look like a pyramid-shaped commission structure to you?

Now you’re probably wondering…

Is Credit Star Funding a pyramid scheme?

In my opinion… yes Credit Star Funding is a pyramid scheme.

The only legit way you can make money from this “opportunity” is by recruiting more people into the company.

They claim to have other ways you can make money, such as “getting a hefty loan” (aka more debt) and using unproven ways to make more money such as trading in cryptocurrencies or Forex.

We’ll cover this in more detail later in this Credit Star Funding review but for now…

What is a pyramid scheme?

A pyramid scheme is when a company recruits members by promising them payment for recruiting more members.

Technically there is no service or product being sold other and the only way you can make money is by recruiting more people into the scheme.

They are illegal in most countries because they are completely unsustainable as the diagram below shows…

Diagram from Wikipedia

Credit Star Funding does have a service for improving your credit score. But if you want to become “an agent” of the company the ONLY way you can get paid commission is if you recruit more people to take on these loans.

There is no product or service that you are selling.

The only way you can get a commission is to “sell these loans” and recruit more people into the system.

This simple 5-minute video explains more about what to look for to spot a pyramid scheme…

Watch it on x2 speed if you are in a hurry!

How does Credit Star Funding work?

Here’s the funny thing…

Even though you’ve probably checked out their website and maybe seen a video or two about it, it’s still really hard to work out exactly what’s going on right?

Well here’s an overly simplified overview of how it works:

  1. Pay $5,000-$6,000 to improve your credit score quickly (21-60 days)
  2. Now you can get a huge loan $20k-$250k (there is a $199 commitment fee + 22% generation fee + 9-18% interest rate)
  3. Now you can invest in some extremely dodgy investments that Credit Star Funding doesn’t even provide but suggest you should be able to easily make 10-60% returns each month.

Supposedly you can reach financial freedom in 10 steps…

The most up to date video for Credit Star Funding is below.

It’s a 45-minute viewing of Riccardo (the shady owner) explaining how amazing the system is without sharing the fees of taking these wild “no collateral, no recourse loans.

He also spends the last 10 minutes explaining why Credit Star Funding isn’t a scam. This is without ever actually explaining the true costs of the loans or any real details about the fraudulent investments you can make 10-60% return each month!

Credit Star Funding products

There really isn’t a product or service as such being offered by Credit Star Funding. Especially not for “agents” to sell.

The only thing agents can get paid a commission for is selling these expensive interest rate loans.

The fraudulent investments they suggest you should use your deceptive loans for are not even a service Credit Star Funding provides.

How to make money with Credit Star Funding

There’s only one way:

Recruit more people to take on one of these high-interest rate loans.

And how will you convince people to give this a try?

Oh yeah, that’s right!

They can always sell these high-interest loans to other people too!

AKA… pyramid scheme!

How much does it cost to join Credit Star Funding?

Now here’s the good thing…

It’s completely free to join as Riccardo mentions in the video (many times!)

He’ll even let you become an “agent” so that you can sell these loans and earn a commission for free!

For some reason, he seems to forget that they charge $5,000-$6,000 to repair credit scores (apparently they do not take a penny from that… it’s all to pay for the lawyers and experts to help you!)

He also seems to forget that your loan comes with a set-up fee of $199 and costs you somewhere between 9-22% interest.

Where I come from… that is not FREE to join!

Credit Star Funding compensation plan

Do you remember Riccardo saying it’s not an MLM company?

No, remember it just looks like one and has a two-tiered commission structure.

Credit Star Funding Scam

Basically, if you sell a loan to someone you get a 2.5% commission. If they sell a loan to someone else you get a 1% commission.

That is the only way you get paid.

There are no bonuses that you can get paid for your downlines past two levels so it is slightly different to many MLM companies.

But the pyramid shape commission structure is very similar. MLM companies are not scams anyway as long as they offer legit products or services.

Is Credit Star Funding a scam?

It offers a really expensive way to improve your credit score.

It offers a weird way to get a huge loan with a very high-interest rate.

And Credit Star Funding suggests you invest your money in fraudulent investment Ponzi schemes.

They then tell you that you can make an extra income by selling these expensive loans to other people.

All of these signs point to the fact that Credit Star Funding is a scam.

Just to be fully transparent with you, I am not a distributor myself and I do not endorse it in any way.

I have researched the website, testimonials and information on the Internet 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:

Credit Star Funding: What I Like Liked

Here is was one thing I liked about Credit Star Funding…

#1 Improve your credit score

Originally I thought it seemed like a legitimate way to help you improve your credit score quickly.

To be honest, I genuinely believe this company may be able to do it.

But is it legit and ethical?

Almost certainly not.

Especially when you consider how much it costs to do this…

Spending $5,000-$6,000 to improve your credit score so that you can then get into a load more debt is just plain bonkers!

There’s normally a reason if you are in bad credit and unfortunately, the best way to improve this score is to pay off your debt over time.

There really is no quick fix for this and I genuinely believe that Credit Star Funding understands peoples emotional state if they have a poor credit score.

Oftentimes these people are desperately looking for a quick fix to get things back on track. Unfortunately, that quick fix will cause a lot more long term pain if you use Credit Star Funding.

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
  • Pyramid Scheme – recruits members via a promise for payment from referring others to the service rather than providing a product
  • Affiliate Marketing- Connecting a customer to a product they are looking for and receiving a commission for doing so
  • Red Flag – A warning sign

Credit Star Funding: Hidden Truths

Here are some of the ugly bad parts of Credit Star Funding that you should be aware of before getting involved…

The sales pages and videos should really explain this (but of course they won’t as they want anyone’s money)

#1 Unrealistic claims & returns

Some of the claims are so absurd.

When I first saw them I presumed they at least owned or offered some of these fraudulent investment Ponzi schemes that can earn you 10-25% (or even 60% returns each month)

Credit Star Funding Scam

However, all they actually do is tell you… do you know that some people make these really high returns?

It’s like me saying take this $100k loan… because you can become the richest man in the world by investing in the stock market.

I can’t tell you exactly how or train you how to do it but Warren Buffet did it.

Then this claim is absolutely bananas…

“From broke to 6 figure passive income”


They don’t even explain how to do this at any point.

Remember, here’s their theory:

  1. Pay us $5k to improve your credit score
  2. Now take a really risky high-interest loan for $200k (ooo… this can pay off your $5k you paid us already!)
  3. Now invest it to make a 25% return every month… but we won’t show you how to do this, just know that you can!

It’s ludicrous!

#2 Owners bad reputation and history

The owner, Ferrari, was promoting the BitClub Network Ponzi scheme before this.

Richard Brooke cited Ferrari as an example of “outright lying, stupid illegal claims and cheeseball videos about how cool it is to be rich”…

Post about BitClucb Network in 2017

I mean a guy that boasts this kind of obscene stuff doesn’t just change his spots overnight.

He’s an outright fraudster.

#3 It’s a pyramid scheme

There’s no real product or service.

The only way to make money is to recruit more people to take on these loans.

These are clear signs of a pyramid scheme.

See if you can spot any signs of a pyramid scheme in the infographic below…

Pyramid Scheme

But it doesn’t end there.

#4 No professional financial advice provided

In the FTC disclaimer small print, there are a lot of truths.


Credit Star Funding Scam

There is no financial advice that you can take from this company.

You’re expected to hand over thousands to improve your credit score and accumulate hundreds of thousands of debt from them, but you shouldn’t take this as financial advice?

So what should you see it as?

Financial entertainment?

#5 This Ponzi scheme is illegal

They don’t actually offer investment vehicles.

But they do suggest you invest in numerous other Ponzi schemes (much like Ferrari’s old BitClub Network).

Credit Star Funding Scam

Any investment that offers returns of 60% a month is doing so by paying existing investors their returns by the funds received from new investors.

Eventually, these Ponzi schemes always come crashing down.

#6 Kicks the can down the road- more debt!

This whole system is just a way for people to “kick the can down the road”.

It’s not helping to educate or improve people’s financial situation.

It’s actually doing the opposite.

The way this whole “theory” works is by taking on more debt.

More debt means more monthly interest.

When you come to the end of the term you will owe much more money than you borrowed and be in a much worse situation.

They claim that you can earn 10%+ returns on your money every month, but doesn’t show you or educate you on how to do this.

This is one of the worst scams I’ve come across and I imagine (and hope) it won’t last much longer.

Related content:

My opinion – Credit Star Funding

It’s an outright scam that should be avoided at all costs.


The only thing that can happen from taking on a loan is to get into more debt and owe more money than when you started out.

Quick fixes like this are never a good idea.

But there are legit ways that people make money from home…

How I make money from home

In 2018 I had no idea how people make money online.

All I knew is that I wasn’t a huge fan of MLM programs even though they can be legit and I know some people that do very well from them.

That’s when I discovered affiliate marketing.

The best things about this is that:

  • You don’t need to sell anything to friends and family
  • You can promote anything you like and you don’t need to make the products
  • It’s free to start

I found Wealthy Affiliate in September 2018. By the end of 2019, I had quit my full-time job.

If you’d like to learn how I did it, then click the link below…

Credit Star Funding review: The “MakeTimeOnline” final word

Is Credit Star Funding a scam?


It’s an unethical way of doing business, trying to pull on peoples emotions that are already in bad credit.

If you were to use Credit Star Funding you would simply kick the can down the road and find yourself in a much worse position in 1 years time.

Keep changing for the better,


Join 1.5 Million People

Using the proven 4-step system to make passive income online

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    P.S. Since you’re still here, I’m going to assume that you are interested in making money online to free up your time. So check out my review of my #1 recommended program and join the form below to learn exactly how I make money online…

    Is Tranont A Pyramid Scheme? Honest Health & Wealth MLM Review

    Tranont Review

    You’ve probably been asking yourself “is Tranont a pyramid scheme?”

    Chances are someone has reached out to you to show you what a great opportunity the company could be for you to work from home.

    But you may have your doubts about the company.

    I’m not going to drag this out… Tranont is a legit company.

    But is the opportunity right for you?

    This Tranont review, with videos, will show you the pros and cons of joining the MLM program so you can make an informed decision.

    Tranont Review- The Overview and Rankings

    • Name: Tranont
    • Founder: Lorne Berry in 2014 (50 out of 100)
    • Website URL: tranont.com
    • Type: Health, Wellness & Wealth MLM Company
    • Products (Including Pricing): 10 out of 100
    • Success Stories: 10 out of 100
    • Price To Join MLM: $99 start-up fee + product packs of $150+/ month (5 out of 100)
    • Maketimeonline.com Rating: 18 out of 100

    What To Look For In An MLM:

    • Low start-up fee – ❌
    • Affordable High-quality products – ❌
    • You don’t have to carry inventory – ❌
    • Generous compensation plan – ✅
    • An affiliate-like system – ❌
    • Company is in the early momentum phase – ❌

    Tranont Pros and Cons


    • Offers a variety of products
    • Multiple ways to potentially earn an income


    • Negative product reviews
    • Expensive ongoing costs to join
    • Shady history of the founder
    • Expensive products
    • 99% of MLM recruits lose money

    What Is Tranont?

    Tranont is a Multi-Level-Marketing health, wellness and wealth company.

    The unique selling point for the company is that it combines health and wealth features into one company. There are many similar MLM companies that provide either health or wealth products or services but rarely both.

    Here is a 3-minute promotional video to explain a bit more about the company…

    So it seems like an interesting opportunity for some people.

    So let’s dig into the companies background and who actually runs the show…

    Who Owns Tranont?

    Lorne Berry was Tranonts founder in 2014.

    He has 10 years experience of working in a large real estate subdivision in Utah before this.

    He is pretty well rounded with business as he also partnered in restaurants and spent many years working in international business helping organisations expand into Asian markets.

    However, he doesn’t have any previous experience with MLM companies.

    You’ll also find out a bit later in this Tranont review about how he accumulated almost one million dollars of personal debt and filed for bankruptcy.

    First of all, let’s find out…

    How Does Tranont Work?

    Tranont has 2 types of products and services:

    1. Finance services
    2. Health products

    So let’s see what that actually means…

    Tranont Services

    There is a range of services provided at Tranont, but the most popular one is improving credit scores.

    Here’s the full list of services on offer:

    • Legal services
    • Access to TaxBot and
    • Credit services & education
    • Tax services
    • Id theft protection
    • Healthcare savings

    The company was built with the average middle-income family in mind so it will connect with a wide range of people.

    Tranont Products

    Whilst there are many financial services provided, tranont also offers a range of health and wellness products.

    Find out a bit more about one of the brands (plant-based “Life”) in the 3-minute video below…

    Here are the other Tranont products:

    • Icaria Glow – Super antioxidant drink (Retails at $89 for a bottle)
    • Life – A food capsule supplement in the video above (Retails at $45 for a bottle of 90 capsules)
    • Balance – Antioxidants and patented amino acid chelated minerals (retails at $50 for a bottle of 90 capsules and also available in bundle packs that costs $140)
    • Vibe – Vitamin B supplement (Retails at $45 for a bottle of 90 capsules and $140 for a bundle pack)
    • Restore – Helps digestion, and enhance immune (Retails at $50 for a bottle of 90 capsules)

    You can see the full range of products and packs available at Tranont here.

    How To Make Money With Tranont

    There are 3 main ways to get paid from Tranont:

    1. Get commission from selling products to customers
    2. Build a team of Tranont MLM recruits
    3. Get bonuses from becoming a certified licensed agent

    The 3-minute promotional video below gives you an overview of how Tranont MLM agents can make money…

    Watch on x2 speed if you’re in a hurry

    How Much Does It Cost To Join Tranont?

    There are a couple of things you need to do to become active (and stay active) as a Tranont representative:

    1. Pay a one time $99 activation fee
    2. Earn 100 PV (personal volume) every month i.e. at least $150/ month

    Now, let’s work out how the compensation plan works…

    Tranont Compensation Plan

    The compensation plan of any MLM company looks super confusing at first glance.

    When you peel back the layers there are really 6 ways to earn money as a Tranont MLM representative:

    • Commission on sales (10-35%)
    • Monthly team bonus (gaining PV & GV to move up the “ranks”)
    • Car bonus ($1,500 PV & 3 customers with that volume or $1,500 GV & sponsor 3 recruiters with that volume)
    • Bonus pools (Become Emerald rank or above)
    • TranontLife Commissions
    • Promotional trips and incentives

    Most parts of the commission structure above probably make sense.

    The main table you need to be aware of at the start is the monthly team bonus, as this is what you will be working towards:

    Tranont Review- Is Tranont a Pyrmaid scheme?

    There are some VERY lengthy compensation plan videos on YouTube.

    But the one below shows a representative’s personal experience with the company and explains it a bit better (take all the talk of “how easy” it is with a pinch of salt though)…

    You can also find the full compensation plan here.

    Tranont Jeep Bonus

    Everyone seems to be harping on about this “Tranont Jeep Bonus”!

    The person who introduced the opportunity to you probably told you about how amazing this part is.

    First of all, let’s explain the truth:

    You have to purchase the Jeep yourself!

    It needs to be under 3 years old, have massive Tranont stickers on it and only then will they “supplement” you with $350-$500 per month.

    To become eligible for the jeep bonus you need to do one of two things:

    • Earn $1,500 PV a month & have 3 customers with that volume
    • Earn $1,500 GV (group volume) & sponsor 3 MLM recruiters with that volume

    Basically… it’s not easy!

    You either need to buy a lot of Tranont stuff yourself and encourage more people to do it.

    Or more realistically… you need to recruit a lot of people (3 NEW recruits will not make you $1,500 GV any time soon!)

    Now, I can almost hear your mind asking…

    Is Tranont a Scam?

    No, Tranont is not a scam.

    There are two main ways an MLM 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

    Tranont clearly has legit products.

    But is it an opportunity that is right for you?

    Keep reading this Tranont review to make your mind up…

    Just to be fully transparent with you, I have not purchased this program myself and I do not endorse it in any way.

    I have researched the website, testimonials and information on the Internet 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:

    Is Tranont A Pyramid Scheme?

    Technically, Tranont is not a pyramid scheme because you can make money from selling their products.

    However, it does have some signs of being a pyramid scheme.

    Simply put… you can only make big money if you recruit a lot of people.

    What Is A Pyramid Scheme?

    A pyramid scheme is when a company recruits members by promising them payment for recruiting more members.

    Technically there are no products sold or any other ways for recruits to make money other than recruiting more people to join the company.

    The issue with this is… eventually the world will run out of people that can join!

    It’s actually surprisingly sooner than you may think too!

    Diagram from Wikipedia

    As you can see just by recruiting 6 members each the world’s population is not enough to cope with a 13-level company!

    …and most pyramid schemes require you to recruit more than 6 people each to make any decent money!

    Check out the 5-minute video below to learn how to spot and avoid a pyramid scheme…

    Watch it on x2 speed if you are in a hurry!

    Tranont: The Good

    Here are some of the things I like about Tranont…

    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
    • Pyramid Scheme – recruits members via a promise for payment from referring others to the service rather than providing a product
    • Affiliate Marketing- Connecting a customer to a product they are looking for and receiving a commission for doing so
    • Red Flag – A warning sign

    #1 Variety Of Products

    You are not limited to who is your potential customer.

    Almost everyone wants to be better with their money and get healthier.

    Tranont products- Is Tranont a Pyrmaid scheme?

    The diverse products and services means that almost anyone you know would probably be interested in something from Tranont.

    #2 Numerous Ways to Earn Income

    There’s multiple income streams from Tranont’s compensation plan once you build a team around you.

    Tranont Review- Is Tranont a Pyrmaid scheme?

    The company is designed to encourage people to help people.

    Basically, if you can help your downline to promote Tranont better, you will do better!

    It’s a win-win mentality rather than a competitive business model.

    Tranont: The Hidden Truths

    Here are some of the bad parts of Tranont, which are not completely obvious before you join the program.

    It’s important to be aware of these before diving in…

    #1 Negative Product & BBB Tranont Reviews

    For a company that doesn’t have too many reviews on the Better Business Bureau, it has numerous negative reviews…

    Tranont Review- Is Tranont a Pyrmaid scheme?
    Tranont Review- Is Tranont a Pyrmaid scheme?
    Tranont Review- Is Tranont a Pyrmaid scheme?

    The company has existed for over 6 years and is still not accredited by the BBB.

    I noticed that the average rating is over 4 stars out of 5.

    However, after digging into some of these reviews look what I found…

    #2 The Truth About The BBB Tranont Reviews

    The company has been deleting negative reviews!

    I didn’t want to believe that to be the case at first but…

    Tranont Review- Is Tranont a Pyrmaid scheme?
    Tranont Review- Is Tranont a Pyrmaid scheme?

    Seeing 2 comments like this really seems like a coincidence to me.

    It also explains why there are not as many reviews as I expected.

    The other suspicious thing about the positive reviews is that there are many that are a simple one-line without explaining why they like the company (this is very rare for people taking time to leave a company a review).

    Plus there are numerous times that “positive reviews” are bunched i.e. 2 days in a row…

    Either this is all a coincidence or the company is leaving reviews themself or asking people to leave positive reviews.

    You can be the judge!

    #3 Expensive Ongoing Costs

    This is the main reason to be wary of the company in my opinion.

    You are going to spend a small fortune just to stay active.

    $150 a month!

    Tranont Review- Is Tranont a Pyrmaid scheme?

    In reality, this means you will need to increase your storage space as you will need to keep buying products every month to stay active.

    #4 MLM’S Success Rate (1%) & No Tranont Income Disclosure

    The FTC released a study that had one jaw-dropping stat (for the wrong reason!)

    Out of 350 MLM programs analysed, 99% of recruits lost money!

    MLM FTC Fact Stat

    Some programs will have a higher success rate than others.

    Tranont doesn’t even leave an income disclosure so it’s impossible to tell if this company is one of them.

    But if I was a betting man, I would bet they are no better than average!

    #5 Shady Past Of Tranont Founder

    Lorne Berry was bankrupt in 2013 after accumulating over $700k in debt.

    As a property investor myself, I understand the difference in good debt and bad debt.

    However, it’s pretty clear that Lorne was way off the mark here!

    Lorne Berry Bankrupt

    Do you really think you want to take financial advice from a man who filed for bankruptcy?

    #6 Expensive Products

    Another nail in the coffin for Tranont…

    Their products are 3-6 times more expensive than comparable products on Amazon.

    Tranont Products
    Tranont Review

    Yes, people want quality health products.

    But there really isn’t any special science or anything that Tranont has to make them stand out from the crowded market.

    #7 It’s Already Been Through The “Momentum Phase”

    For me this is possibly the biggest factor…

    Tranont is not growing and people are not searching for it as much any more.

    It started in 2014 and there are other MLM companies (such as Farmasi) that are in a much better position to jump on the band wagon before others.

    Related content:

    My Opinion – Tranont

    It’s simply not worth trying the opportunity.

    There are better MLM programs out there and MLM’s, on the whole, are hard to make any money (even harder to make great money).

    The good thing about MLM’s is the “helping nature” and how you can learn a lot from personal development.

    If you find a great mentor then any MLM company can be a great opportunity.

    The fact is that most people recruiting have no idea what they are doing themselves. And the training is rarely good enough to really learn the ropes by yourself.

    Is There An Alternative?

    It wasn’t that long ago that I was still trying to figure out how it’s possible for people to make money online.

    I wanted to find a passive income system that ticked a few boxes:

    1. I could work on part-time when I wanted (I was still in a full-time job)
    2. Therefore I needed it to not cost a fortune to start and maintain
    3. Didn’t need me to sell stuff to my friends and family

    It was in September 2018 that I found Wealthy Affiliate.

    In September 2019 I quit my full-time job.

    The best thing about it is:

    • It’s free to start (no credit card details are required)
    • You are taught how to get qualified traffic brought to you for free (just think about how you found this review… there was no money or time spent from me promoting this!)
    • There is support from hundreds of thousands of other online marketers
    • You don’t need ANY technical skills to start

    When you try out this program you will see why so many people recommend it.

    Tranont Review: The “MakeTimeOnline” Final Word

    So is Tranont a pyramid scheme?

    Technically no.

    But it is a pyramid scheme in disguise as the only way to earn great money is by recruiting a lot of people.

    If you are looking for an opportunity to work from home then Tranont is almost definitely not for you.

    Keep changing for the better,


    Join 1.5 Million People

    Using the proven 4-step system to make passive income online

      We won’t send you spam. Unsubscribe at any time.
      Powered By ConvertKit

      P.S. Since you’re still here, I’m going to assume that you are interested in making money online to free up your time. So check out my review of my #1 recommended program and join the form below to get $950 worth of marketing freebies…

      Wealthy Affiliate Review 2020: Easy Money Opportunity or Scam?

      In the spirit of full transparency, know that this Wealthy Affiliate review 2020 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.

      Imagine what if would be like if you were in control of your own schedule.

      Wouldn’t it be amazing if you could make money from the comfort of your own home… or anywhere in the world with an internet connection?

      Just picture this for a moment… living the life that you have always dreamed of…

      No credit card details required

      You probably agree that if you want to be financially independent and retire early you need to find ways of making passive income.

      Well, creating an online business in a certain way can be a form of passive income for anyone. The best part is that you don’t need to have thousands of dollars to get started like many other forms of passive income.

      After you read this up to date honest Wealthy Affiliate review 2020, you will learn what Wealthy Affiliate can offer you.

      Wealthy Affiliate Review 2020 Part One:

      The Overview and Rankings

      • Name: Wealthy Affiliate
      • Owners: Kyle and Carson – 96 out of 100
      • Website URL: wealthyaffiliate.com
      • Training: 90 out of 100
      • Support: 99 out of 100
      • Website Builder: 99 out of 100
      • Research Tools: 95 out of 100 (for the paid version)
      • Success Stories: 95 out of 100
      • Price: Starter Member (Free- for as long as you want) Premium Membership ($49 per month/ $359 year)
      • Maketimeonline.com Rating: 97 out of 100

      My Story

      It all started on a sunny day in Essex, England, in August 2017.

      Sarah, my wife, and I were sipping our coffee, chilled on my parent’s sofa when she asked…

      “Do you want to start a blog?”

      I had no idea how much those 7 words would shape my life. Read the “About Mike” page to learn more about this story.

      I didn’t even know blogging was still a thing in 2017!

      But after trying it out for a while and speaking to some people in this mysterious “blogging world” we realised some people were making a full-time income from it.

      And others were making way more than I’d ever be able to as a teacher.

      So it became a puzzle of mine to put the pieces together to figure out how they do this.

      As you read each word in this Wealthy Affiliate review you will see how it has helped me to put a lot of the pieces together.

      But I am not going to blow their trumpet to convince you to give it a go. I will be completely honest about my experience and show you the negatives so you can make an informed decision.

      My First Online Sale…

      Man, I remember the day that I made my first bit of money online.

      It’s such a weird feeling that is super hard to explain.

      I was in freezing England after the Christmas break. We were out at dinner with my parents before we were heading back to Qatar when I got this buzz on my phone.

      “Amazon Associates”.

      I recently had an email from them saying I had about a week left on my account to make the required 3 sales in your first 180 days.

      So I didn’t think much of it as I’d hardly used any affiliate links from Amazon on my website.

      Then I clicked it and…

      I made a massive…


      This may sound weird but this was possibly the greatest $1.03 I have ever or will ever earn.

      It was passive income.

      I did the work once… and it paid me in the future.

      Wealthy Affiliate Review 2020- First Ever Sale Online

      Someone had read my review of Rich Dad Poor Dad, clicked the link and bought the book!

      More than anything else, it was proof that I can make money online.

      End of 2019 Update…

      It’s actually quite crazy how much I have learnt about online businesses over the last 15 months.

      I also know how much there still is to learn.

      But here’s the truth:

      I cannot fail if I don’t quit.

      How many types of business can honestly say that?

      Here is what has started happening to my website in recent months…

      I am getting over a thousand people to find my website every month for free!

      This is all from Google and exactly what Wealthy Affiliate has taught me how to do.

      But this is not the only method of traffic I have been taught…

      Wealthy Affiliate Review 2020- Website Stats

      I also know how to use social media and work with other online entrepreneurs to drive traffic to my website for viral traffic.

      I’ve even used what I’ve learnt to start a new website and get hundreds of people to the website per day almost instantly…

      Wealthy Affiliate Review 2020- Website Stats

      Now, I can almost hear your mind thinking…

      So what?

      Traffic is not money.

      Well, here’s the secret amigo…

      Yes, it is!

      I just didn’t know that until VERY recently…

      Income Update…

      If you’re like me (and Jerry Maguire) the only thing you are probably interested in is seeing the money.

      via GIPHY

      So I’m not going to hold anything back…

      Wealthy Affiliate Review 2020- Money Made Recently
      Wealthy Affiliate Review 2020- Money Made Recently
      Wealthy Affiliate Review 2020- Money Made Recently

      You’re probably thinking…

      So what?

      “This is not enough to quit my full-time job!”

      The thing that I want to make clear is this:

      • There are multiple streams of income (I make money from different affiliate programs)
      • The rate of growth is exponential (this time just a few months ago I hadn’t made anything significant)
      • I am a PE teacher by trade! I. Did. Not. Know. This. Stuff!

      Everything I have learnt has come from following the step-by-step training and people within Wealthy Affiliate.

      It’s even enough proof for me to quit my full-time job before the end of 2019! Exciting times ahead for sure! (I only joined in September 2018)

      But enough about me.

      Let’s get back to the Wealthy Affiliate review 2020…

      You Want the Proof? You Can’t Handle the Proof…

      Now I can almost hear your mind screaming…

      Is Wealthy Affiliate a Scam?

      So here’s the thing…

      There is so much proof, you don’t need to hear it from me.

      Meet Jerry- Joined May 2016

      The 21-year-old college drop-out consistently makes 4 figures a month from Wealthy Affiliate.

      Do you notice the rate of growth in his income too?

      Oh, and did I mention he just made over $100k in a week from a new course he made?

      Meet Grace aka LittleMama- Joined Sep 2016

      The little darling of Wealthy Affiliate knows how to get paid on tap. Are you beginning to notice the rate of growth after making the first affiliate sale?

      • Her first annual membership referral was in November 2017
      • To $40k commissions in 2018

      Will I Have to Promote Wealthy Affiliate?

      Absolutely not.

      As you continue to read this Wealthy Affiliate review in 2020 you will realise there are 2 training paths you can take.

      Meet Juan- Joined May 2015

      He makes money mainly from promoting other products on Amazon.

      Elvalen First $2k

      Will it Take Ages Before I Make Money?

      How long is a piece of string?

      It is entirely up to a number of factors including:

      • How much time you put into it
      • If you follow the training
      • Whether you collaborate and help out others

      Meet Dylan- Joined Aug 2015

      Dylan refined his tactics after working at Wealthy Affiliate for over a year. His new website generated over $4,000 in month 7!

      Dylan $4k 7 months

      And yes it is possible to sell websites…

      Dylan Sold $30k

      Will I Have to Put in Tons of Time?

      This success story may help you decide…

      Meet Steve- Joined Aug 2016

      Here is a list of what he does:

      • Works a full-time job
      • Competes in “Iron Man” events (this is a full-time job just training in case you didn’t know… it’s heaps of swimming, cycling then a marathon to finish)
      • Manages a travel website
      • Spends quality time with his wife and friends

      He is not a guy that has 40 hours a week to put into his online business… but he makes 4 figures a month!

      Now, if this is not enough proof click here to see a whole load more.

      Top Tip- Before you pay any money try the free account out. Find these people or thousands of others using Wealthy Affiliate and message them. They will tell you the truth about what they did and how much they worked.

      No credit card details required

      Why Use Wealthy Affiliate?

      There are 3 main reasons why Wealthy Affiliate is my number 1 recommendation:

      • The step-by-step training is so easy to follow
      • Simple to use tools (read this to see “How to Build a Website in 30 Seconds“)
      • Amazing support (24/7 live chat and over 1.5 million users ready to help)

      Making money online can be overwhelming. There are a lot of moving parts and everyone has the next best shiny object ready to distract you.

      Wealthy Affiliate 4 Step-Process

      As you keep reading this Wealthy Affiliate review 2020, you will begin to realise Wealthy Affiliate keeps it simple stupid.

      They use a 4 step proven model:

      1. Choose your niche
      2. Build content
      3. Attract visitors
      4. Make money

      Click on any of the above to read more about each step.

      What are the Wealthy Affiliate Negatives?

      Ok first of all I need to be fully open with you.

      Wealthy Affiliate is NOT for everyone.

      Here are some people that should not waste their precious time with Wealthy Affiliate:

      • Someone that wants to make money instantly
      • People that do not want to help others
      • Someone that doesn’t want to put in any effort
      • If you’re looking for a ready-made program to start paying you money (if you find this, hook me up… joking, this simply doesn’t exist!)

      If you use Wealthy Affiliate it does not mean you will be successful and have money flowing into your bank account each month.

      It will show you what to do but you still need to put the work in. Some people do get frustrated with it and like to point the finger at the training program.

      Man Thinking

      The Negatives

      Nothing is perfect and there are some things that are not 100% ideal:

      1. Information Overload

        There is a lot going on inside Wealthy Affiliate. If you’re not careful you will find yourself jumping around and trying to take on too much. The training exists for a reason. Trust it and follow it!

      2. Email List Training

        I was a massive skeptic about this initially. Read any “successful blogger’s” number one tip and it will be…

        “Build your email list immediately”.

        However, Wealthy Affiliate skims over this. It does have some webinars and some people have created training on it.

        I ignored the training initially and thought I could go about building my list at the same time. Turns out, until you get traffic, nobody will join your list (no matter how good your content is!)

        This is why Wealthy Affiliate doesn’t focus on this in the starter trainings (hindsight is a wonderful thing!)

      3. Who to Trust??

        There are over 1.5 million users on Wealthy Affiliate.

        This means there are some amazing people you can learn from. But it also means a lot of people won’t know what they are talking about (they may still try to help you though!)

        Figuring out who to take tips from isn’t easy at the start, but that’s where I can come in to point you in the direction of the best people to ask!

      Disclaimer- Remember there is no magic button to press to make it all work. You will have to learn and put the time and effort in if you want to see results.

      As you pay close attention to the rest of this Wealthy Affiliate review in 2020 you will begin to get excited about what Wealthy Affiliate can offer you…

      Wealthy Affiliate Review 2020 Part Two:

      What does Wealthy Affiliate do?

      A lot!!

      To be honest it does so much that it can be overwhelming reading it all.

      All you need to know:

      If you are interested in making money online to free up your time, then Wealthy Affiliate holds your hand into getting an online business up and running. 

      Some of the things Wealthy Affiliate does:

      • Step-by-step training – make a website suited for affiliate marketing (promoting other peoples products and getting a commission)
      • An amazing community to support you
      • Build your website in 30 seconds
      • Tools to track and monitor your progress
      • Tools to improve your research and content
      • Top quality hosting

      When you try it out for free you will discover why so many people get excited and tell their friends about it .

      Wealthy Affiliate Training, Many Formats to Suit your Taste

      The training comes in different formats to suit your learning style:

      1. Video
      2. Written
      3. Weekly live webinars

      There are 2 routes you can take with the training:

      1. Online Entrepreneur Training
      2. Affiliate Bootcamp
      Wealthy Affiliate Training

      Basically, route 1 is for those who have a specific niche and know exactly what they want to do.

      Route 2 is for those who don’t really know and so they hold your hand down the make money online route.

      Now for me, the indecisive ninny here, I found this very hard to decide!

      As I already had a blog up and running I literally would love to have a niche in anything to do with:

      • Health/ Nutrition
      • Success/ Business
      • Happiness/ Personal development

      However, after starting route 1 I realised I would 100% need to sub-niche this down as it’s too vague and pretty much covers everyone in the world (which turns out is not a good thing!!)

      If you need to some help in deciding on your niche then I have created a post to show some things I wish I knew before (the video on there could save you hours of faffing!!)

      Choosing Your Route

      Working in the education system since 2011 has shown me how little financial IQ is taught at schools. This website is my way to help spread the word about financial education and demonstrate different ways we can create more money (and hence time) in our own lives.

      …So route 2 it was!

      The Bootcamp is more useful than a cold beer on a hot day. It literally shows you, step by step, how to create your online business.

      The information is incredibly thorough.

      Do you remember reading that the downside to the training is the lack of depth in email marketing? Hindsight has taught me that it’s actually a good thing they don’t put this in too soon as this would cause overwhelm… I know this because I tried it anyway!

      You would end up doing everything… but nothing well (Hello… that was me!)

      Top Tip- Do EVERY step as it comes. Do not skip past action points and go at your own pace.

      To avoid these mistakes and fast track your progress check out this free course…

      Wealthy Affiliate Support, A Community of “Caring” Experts

      When you try the program out you will find people at completely different stages of their online marketing journey:

      • Complete beginners
      • People who have been using it for 6 months
      • Members who are making 5 figures a month

      I decided to join Wealthy Affiliate after reading Riaz Shah’s website as I found his reviews to be very honest and informative.

      He has been more helpful to me than Robin is to Batman (…yes I just referred to myself as Batman!) Just look at the detail in his response to a question I asked. This is only a fraction of the answer… talk about personal service!

      There is also a Live chat and Forum so you can get quick responses to any question that pops up in your head!

      After only 2 months of being a member, I wrote a post about “Why do People Create Blogs“… 13 people inside WA took the time to answer some questions for me.

      People continually provide comments and feedback on my website and they are so helpful, generous and understanding of any type of problems.

      No credit card details required

      The SiteRubrix Suite, Create, Manage & Grow Your Websites

      This was actually pretty amazing! I remember creating our website for our first blog on WordPress and I was so confused.

      WordPress is actually very user-friendly but it took me ages to make the website look how I wanted it.

      With Wealthy Affiliate, it took 30 seconds to create a website using Site Builder. No joke! Check out “How to Create a Website in 30-Seconds” for more info.

      Wealthy Affiliate Review

      The screenshot above shows all the things that come with the SiteRubrix Suite. I honestly have found it soooooooo helpful!

      For me, one of the best things about Wealthy Affiliate is the site comments.

      You choose what you’re interested in (so I never receive any baby advice or gardening websites) and you can skip websites if you’d rather not read it. So I actually find reading others people work really useful. All you do is write a meaningful comment to someone else.

      In the screenshot above I had made 10 comments and then I used my “credits” to ask for specific feedback on certain posts that I have created. As you can see I had already received 20 comments (20 for the price of 10!!!!)

      Wealthy Affiliate Review

      The Site Manager (above screenshot) is such a great way to see what you can do to improve your “Site Health”.

      It also shows the speed of your website and what you can do to improve this. This helps to ensure your website is optimised to improve its rankings on search engines and that your audience has a better experience when using the site.

      Jaaxy Tool – Key Word Research

      The training program shows you step by step how to make the website better for SEO using plugins (Search Engine Optimisation- in English this means it makes your website easier to find on Google)

      The Jaaxy Tool is an amazing way to find keywords that receive a lot of searches each month.

      If you want to learn more about SEO then check out this “Jaaxy Review” and particularly “How to Find Keywords For Your Website to Get Traffic on Tap“.

      Wealthy Affiliate Review Jaaxy

      As you absorb this information you will realise the best part of using Jaaxy is the QSR column (number of competing websites).

      This helps you to find keywords that have less competition. Therefore, your website will rank higher on search engines and you will get more visitors to your site… aka more eyes on your website to purchase through your affiliate links.

      This may sound overwhelming if you are brand new to this…

      but just like everything else on this site…

      follow the training, complete the tasks and all the pieces of the puzzle start coming together.

      This is actually worth $49 per month by itself but it comes as part of the Premium Wealthy Affiliate package.

      Managed WordPress Hosting- Set up Efficiently!

      Picture your website like a load of files on your computer.

      The “hosting” is basically where you store these files and share them with other people.

      People can pay anything from $60 to a few thousand dollars per year.

      So the Wealthy Affiliate hosting is top quality.

      If you are on the free membership you get 2 .siterubrix free websites so you can get started and try out the training without having to pay anything. Plus you can stay on the free membership for as long as you like!

      Wealthy Affiliate Review WordPress

      If you use the paid version you can get 25 free .siterubrix websites and 25 domains. WordPress is what all the big online marketers use to manage their website and WA helps you get set up on there super easily.

      This means if you have another online business or website you can transfer it onto Wealthy Affiliate and get all the added benefits of:

      • Faster speeds
      • The Spam Blocker
      • SiteSSL (notice my website is https instead of http. You usually find this on websites that you make payments on as it makes the site more secure).

      Why bother using the paid version?

      This is something that I asked myself a lot when I started out.

      You can access so many things on the free membership I didn’t really see the point.

      The 3 big things I could see was that on the paid membership you get:

      1. The extra websites available (25 instead of 2)
      2. Access to the Jaaxy Keyword Research Tool (usually $49 per month by itself)
      3. Much more training

      Check out all of the benefits for yourself:

      The main reason I went for the paid membership was really because of what I’m about to tell you… and no it’s not the Vegas trip…

      Meet in Vegas, Lucrative Affiliate Program

      If you sign up right now you will be getting a free trip to Vegas every year for the rest of your life!!… Only joking!!

      Of course, they don’t actually sell this to you like that (that would be cool though eh?!) and of course, it’s great to set big goals but to get the all paid for Vegas-trip you need to get 300 people to sign up to Wealthy Affiliate.

      Remember, you DO NOT have to promote Wealthy Affiliate at all.

      If your passion is photography then Wealthy Affiliate can help you get a great online business set up for you too.

      Wealthy Affiliate Review Vegas

      The bit that is interesting for a lot of beginners is that you can get paid to refer others to join Wealthy Affiliate.

      Now, there are a lot of reviews that sell Wealthy Affiliate as the best thing since sliced bacon (I’m sure you’ll understand why in a second).

      The thing I have found surprising is that a lot seem to fail to mention this part. I’m not entirely sure why…

      Wealthy Affiliate Review Commission

      You get paid if someone signs up from your link…

      If you’re on the free membership (by the way did I mention you can be a free member for as long you like??) you receive:

      • $11.75 per monthly premium subscriber
      • or $87.50 for a yearly membership

      If you are on the paid membership it doubles to:

      • $23.50 per month
      • or $175 for a yearly membership

      So that means if 2 people sign up to Wealthy Affiliate from your link, you effectively get the premium Wealthy Affiliate membership for FREE!

      Are you beginning to see how people make money online?

      If you are looking into starting an online business then check out this Wealthy Affiliate review. It is possibly one of the best ways to work from home. Learn the best affiliate marketing tips and discover the best affiliate marketing programs with this course. Learn how to make money online and create passive income from home. #makemoneyonline #affiliatemarketingtips #affiliatemarketingforbloggers #onlinebusiness #passiveincome

      Wealthy Affiliate Review 2020: The “MakeTimeOnline” Final Word

      Wealthy Affiliate is amazeballs for beginners and bloggers that want to start monetising or scale their website.

      Especially if you are serious about making money online to free up your time, but still haven’t found the right strategy.

      Even if you don’t join the paid membership you can stay on the free membership for as long as you like and learn a load from the free training.

      This is the best one-stop-shop to get:

      • Tools (hosting, keyword tool, affiliate opportunities etc.)
      • Step-by-step training
      • And support

      Have you noticed yet that if you want to connect with like-minded people there is a strong active community on Wealthy Affiliate?

      Plus, I am already going through this process so you’ve got someone to give you personal feedback and help.

      Rating Out of 100

      How Much Is Wealthy Affiliate Really Worth?

      When you actually break down what you get from a premium membership with Wealthy Affiliate it looks like this:

      1. 100+ Step-by-Step Training Lessons (Value $997)
      2. Super Simple Website Builder (Value $294)
      3. Web Domain Marketplace (Value $99)
      4. State-of-the-Art Web Hosting (Value $240)
      5. Jaaxy Keyword Research Tool (Value $588)
      6. Affiliate Program Marketplace (Value $197)
      7. Weekly Live Training Calls (Value $497)
      8. User Generate Training (Value $299)
      9. Worldwide Community: >1.2 Million Members (Value $349)
      10. 24/7 Technical Support Team on Standby (Value $299)

      The training, tools and support adds up to a total value of $3,859

      But it doesn’t end there as I remember exactly how hard and weird it was starting out as a brand new “online business owner” in September 2018.

      So I’m going to give you some additional bonuses that no other WA members get and what I wish I had when I started…

      My Recommendation and Special BONUS!!

      I would recommend giving Wealthy Affiliate a try for free. This way you can check out the starter training and test out the platform. You can also message some other people inside if you’d like another person’s point of view.

      The special bonuses of signing up for the premium membership during your first week are:

      Hypnotic Cheatsheet

      BONUS #1, Hypnotic Cheatsheet & Analogy Book ($67 Value)

      • Insert scientifically proven words into your writing that helps to keep your readers engaged and hooked to the end.
      • Make editing your writing much quicker. 
      • Persuade and seduce your readers to take action that can help them.
      1,000 Low competition Keywords & Guest Posting Opportunities

      BONUS #2, 1000+ Amazing Keyword Ideas & Guest Posting Opportunities ($99 Value)

      • Get 1000+ low competition (not many websites writing about them) keywords with a lot of traffic (this is how you can get free traffic from Google every month)
      • Quickly improve the “authority” of your website by “guest posting” (writing a post for them to link back to your website) to some amazing websites
      • Save hours of time from having to do this research yourself
      7 Day Online Business Blueprint

      BONUS #3, Personal Business Blueprint + Checklist ($139 Value)

      • I’m also giving you this Personal Business Blueprint where I’ll give you specific instructions to help you start on the right foot and plan your schedule.
      • I’ve also created a custom daily task for week 1 to assist you in Wealthy Affiliate’s training.
      • This is NOT found anywhere else and NOT available to any other WA members!
      Top WordPress Plugins and Themes

      BONUS #4, Top WordPress Themes & Plugins Guide ($97 Value)

      Not sure what themes & plugins to use for your website?

      • If you’ve tried WordPress, you know WordPress has a TON of themes and plugins. I understand it’s confusing for beginners.
      • So, I’ve created this guide to help you based on my experience.
      • This guide will be extremely helpful to kickstart your website!
      How to Hire a professional writer like a PRO

      BONUS #5, Outsourcing Secrets: Hire Writer Like A PRO ($249 Value)

      Do you hate writing? Feel like you suck at writing? Me too!

      • In this training, I’ll give you the exact steps a Wealthy Affiliate member took to hire his full-time writer at just $400/month who writes really well.
      • Thanks to his writer, he’s now automated his website. He hasn’t written a single post for a very long time, yet the money just keeps coming in every single day.
      • This is how you can truly create an online business!
      6 Figure Business in 6 Months Course

      BONUS #6, How To Create a 6 Figure Website… In 6 Months ($299 Value)

      Still no idea where to begin?

      • In this training, another Wealthy Affiliate member walks you through his exact strategy for creating a 6 figure business using Amazon
      • Following these steps have proven to create a website that generates $4,000 per month and this is possible to achieve within 6 months!
      • If I were to start again and not have a clear passion I wanted to follow… this would be exactly what I would do

      Remember this is a special bonus for those “action takers” that join the premium membership during the first week.

      Total Value: US $4,809

      Your Investment TODAY: US $19

      When you try the program out you will discover why so many people get excited about it and recommend it to others.

      Now let me ask you this…

      What’s the life you would love to live worth to you?

      Keep changing for the better,


      No credit card details required

      P.S. If you’d like the advice I wish I received when I started out, then check out this free course…

      Updates to Questions Below

      The training also includes how to use social media including Facebook, Google+, Pinterest and how to make your website a place for others to engage.

      Wealthy Affiliate Review

      Is “It Works!” A Pyramid Scheme? MLM Ponzi Scam [Honest Review]

      In the spirit of full transparency, know that this review revealing if It Works is a pyramid scheme 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.

      It Works Review

      You have probably seen an advert for It Works! or maybe someone has introduced the program to you and said, “you are a good fit”.

      Most people think starting a home business is really hard and will cost you lots of money. It Works promises to help you start making money from home, without spending a small fortune.

      This It Works MLM review, with videos, will reveal the truth about the program and help you make an informed decision if it is right for you or not.

      It Works! Review- The Overview and Rankings

      • Name: It Works! Global
      • Owners: Founded by Mark and Cindy Pentecost in 2001 (50 out of 100)
      • Website URL: https://itworks.com
      • Type: Nutrition, Skincare & Health MLM Company
      • Success Stories: 10 out of 100
      • Products: 20 out of 100
      • Price: $99 to start + recurring monthly fees
      • Maketimeonline.com Rating: 27 out of 100

      It Works! Pros and Cons


      • Helps you use the Internet to market the program
      • There are some positive reviews about the company
      • There’s a good range of products to promote (you’re not limited)
      • Bonus promotions for you to offer in your first month
      • It Works! Give back foundation


      • Overpriced products & not proven to work
      • The “Loyal Customer Program” scam
      • Expensive costs to work in the MLM scheme
      • 97% of MLM recruiters don’t make money
      • It’s a pyramid scheme in disguise
      • Negative reviews on Better Business Bureau expose the truth
      • You are encouraged to use social media to sell to your friends & family

      What Is It Works! MLM?

      It Works Global is a health & wellness Multi-Level-Marketing company that focuses on selling a range of health products including their flagship product, the Wrap Body Applicator.

      It’s a company that’s been going since 2001 and they are based in countries around the world including Denmark, Belgium, Netherlands, Sweden, France, Spain, Germany, Ireland, UK, New Zealand and Canada.

      The MLM program gives “everyday” people the chance to start a business from home by selling their products and recruiting more people into the company.

      Anyone can become a “wrapreneur”!

      Check out the 90-second video below to find out more.

      So it sounds like an interesting opportunity right?

      Well, let’s dig in a bit deeper into what the company sells.

      It Works! Product Line

      Here are the basic product categories that It Works Global MLM offers:

      • Beauty – From $5- $232 there is something in here for anyone. From Facial cleanser, toner, lip & eye cream, anti-ageing cream to the fab wraps.
      • Nutrition – From $33-$119, you can get a whole range of super greens probiotics, immunity tablets etc.
      • Keto – From $30-$195 the keto diet product line with products like keto coffee, keto creamer, keto energy, etc.
      • Weight control – $25-$195 there are different carb control tablets, cleanse, fat fighters and coffees etc.
      • Energy & Endurance – $25-$142 there are coffee products, hydrate sachets, ketones etc.
      • Vegan – $30-$65 range of coffee, energy sachets and immunity packs etc.
      • Apparel & Accessories – $8-$46 range of products from pens to t-shirts to hats etc.

      Check out the short videos (under 1 minute each) below to see more about the main products.

      It Works! Wraps
      It Works! Keto Coffee MLM products
      It Works! Exfoliating Peel

      As you can see the company clearly markets the products pretty well!

      By now you’re probably starting to wonder…

      How Can You Make Money With It Works! MLM?

      As with most MLM companies, there are 2 ways you can make money from It Works!:

      1. Sell their products and earn commission
      2. Recruit other people to join the MLM program (plus get commissions from their sales)

      Check out some of the success stories in the 100-second video below from It Works to get a feel for it…

      If you’re like me, then you may be sceptical and want to actually know more specifics. Such as…

      How Much Does It Cost To Start With It Works!?

      It will cost $99 to get the business builder kit.

      You have to purchase this if you want to work with It Works!

      This comes with a pack of wraps and tiny samples of the gel and catalogues.

      This is not the only cost though!

      Here are some of the extra costs that you may not always find out about until you jump in:

      • $20 monthly website fee
      • $35 annual renewal fee

      Plus to qualify for a commission you need to either:

      • Maintain a monthly auto-ship of 80 unit volume per month (~$80-$100)
      • Or sell 400 unit volume of products every month (~$400)

      So this adds up to $1,374 for year 1!

      If you can sell $400 worth of products in a month then you can take the ~$100 off for the auto-ship each month you achieve that.

      However, you will learn more about how easy that is to do later in this It Works review…

      It Works! Compensation Plan

      There are 7 ways you can earn money from It Works:

      1. Retail commission
      2. Loyal customer commission- 45% of all their orders
      3. Fast start bonus- $100 when you enrol a new distributor that completes the fast track program (they need to enrol 2 members to the MLM program)
      4. Uni-Level management bonus – you can earn a commission when people in your downline make sales
      5. Diamond generation bonus –
      6. Diamond leadership bonus – you get $80-$150 when anyone in your downline enrols someone on the fast track program.
      7. Leadership bonuses – incentive trips

      You can get all the details about these 7 ways in the 9-minute video below…

      Check out It Works compensation plan if you want to see this all written down (it’s pretty confusing though!… you have been warned)

      Now I can almost hear your mind starting to think…

      Is It Works! a Scam?

      No, It Works is not 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 Works does deliver some products that people enjoy and it has a legit opportunity for people to make money from home.

      However, are the products as good as they claim?

      Is it likely that people can make a full-time income from the MLM program?

      Keep reading this It Works MLM review to find out…

      Just to be fully transparent with you, I have not purchased this program myself and I do not endorse it in any way.

      I have researched the website, testimonials and information on the Internet 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.

      Is It Works A Pyramid Scheme?

      Technically no, It Works is not a pyramid scheme.

      You can make money by getting a commission from selling the products. However, just like so many MLM programs the big money is made by recruiting more people to sell It Works products.

      If you can start recruiting more people to the program then you advance up the ranks and this is where the big money is made…

      Is It Works a Pyramid Scheme?

      Ah yeah, we should probably work out…

      What Is A Pyramid Scheme?

      A pyramid scheme is a promise to pay its members by recruiting more people into the company.

      Technically speaking, pyramid schemes do not promote any other service or product other than the marketing tools to recruit more people.

      Eventually, these schemes will require more people than exist in the whole world to become part of the program for the new recruits to make any money.

      This quick 5-minute video explains this really well.

      Related content:

      It Works!: The Good Parts

      Here are some of the things I like about It Works…

      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
      • Pyramid Scheme – recruits members via a promise for payment from referring others to the service rather than providing a product
      • Affiliate Marketing- Connecting a customer to a product they are looking for and receiving a commission for doing so
      • Red Flag – A warning sign

      #1 Uses The Power Of The Internet aka Social Media

      Many MLM programs still use old school techniques such as “home parties” to demonstrate the products and try to recruit new members.

      This type of marketing has become very ineffective with people being sceptical about these things (I remember my wife going to one a few years ago).

      It Works does put a focus on the new members using social media and utilising their ready made website.


      Just think about how many people you know that you can invite to your home. Then think about how many people there are online that are looking to be healthier.

      Online marketing is one of the skills that all successful businesses use.

      #2 Positive Reviews

      If you check out Glassdoor you will find real people’s experience and opinions about It Works.

      This is a great way to get an insight into what it’s actually like in the company.

      Is It Works a Pyramid Scheme?
      It Works Review
      Many people mention how they meet some great people and can work remotely.

      However, you are about to find out that not everyone is happy with their experience at It Works!

      #3 Range of Products to Promote

      Chances are everyone you meet would benefit or want some of the products from It Works.

      The broad range means you’re not pinned to one thing to sell.

      It Works products

      Many MLM companies really only have one product and makes it hard to find appropriate people that could benefit from the product.

      #4 Promotions For You To Offer In The First Month

      In the first month that you join the MLM program, you will get some special discounts you can offer other people to join too.

      This means you can kick start your home business quickly.

      It’s important to be aware that the first month is actually the hardest time to encourage others to join as you won’t have any track record yourself!

      #5 It Works! Gives Back Foundation

      It Works makes a difference.

      It provides money for various charities to help many of the world’s problems.

      It is so important that businesses have a bigger reason for why they do something than “to make money”.

      It Works!: The Hidden Truths

      Every business opportunity has pros and cons.

      If you don’t find out the cons before getting started then it’s important to research them and figure out what they are.

      Here are some of the bad parts of It Works that you should be aware of…

      #1 Overpriced Products- Do They Even Work?

      Some scientists claim the wraps don’t even work!

      Elizabeth Tanzi, MD, dermatologist claims there’s never been any real scientific evidence that backs up body wraps pulling toxins out of your body in any way.

      $71 & 3 star reviews
      $30 and 3.5-star review

      Even if they do work, look at what I found on Amazon!

      The same kind of product for a fraction of the price and rated higher (this was a quick search without me spending ages shopping around! Imagine what else is out there!)

      #2 The “Loyal Customer Program” Scam

      It’s never good when a company lies or is deceitful.

      This is one of the most common complaints about the whole company…

      Is It Works a Pyramid Scheme?
      It Works Review

      The Loyal Customer Program makes it sound like there is no “membership fee”. However, they charge you a certain amount for products for 3 months.

      If you try to cancel your program before 3 months they will charge you $50.

      I don’t know about you, but I couldn’t work that out from the advert above? You can see why there are so many complaints about it.

      #3 Expensive Start-Up Costs

      You’re probably thinking $99 to start a business is not expensive!

      You’re right it isn’t!

      But when you add the $20 per month for your website and the extra $100 a month you’ll have to spend on products to stay active, it becomes pretty steep very quickly.

      All of a sudden you will become desperate to sell anything just to get some of your money back, let alone work from home full time!

      #4 90% Of Recruiters Make No Money

      Check out the It Works income disclosure statement 2018.

      90% of all distributors make under $250 a month.

      Now, remember if you’re selling ~$400 of products a month you won’t need to pay your $100 a month standing order to stay active.

      Anyone earning under $250 a month (around 90%) will be losing money from It Works every month.

      As you can see the average total monthly income is $208. So when you take into account some people are being paid $115,473 a month, the vast majority are going to be earning next to nothing.

      If you don’t want to hear it from me then hear it from a “Double Diamond” leader (less than 2% of people make it this far)

      It’s only 5 mins and it explains the inside of It Works really well (watch it on x2 speed if you’re in a hurry)

      #5 It’s a Pyramid Scheme in Disguise

      Yes, there are lots of legit products that It Works sells.

      So technically, It Works is not a pyramid scheme (as you’ve already found out in this It Works review).

      However, the only way people can make a serious income from home is IF they recruit a LOT of people.

      Pyramid Scheme

      There is no other way to make a good income from it.

      Nada. Nil. Zilch.

      You can’t decide “ah I want to promote football snack helmets and make $2,000+ a month”

      You either promote people into It Works or you don’t make money.

      Aka a pyramid scheme… in disguise.

      #6 Negative Reviews on BBB – Keto Coffee Pyramid Scheme

      So you may have heard of Better Business Bureau (BBB) before as it’s a website that all major companies are on record and anyone can leave complaints or reviews on it.

      It has received 484 complaints in the last 3 years and has a 2.2 rating out of 5 or a C+ score.

      That is not good!

      Is It Works a Pyramid Scheme?
      It Works Review
      It Works Money Back Guarantee

      One of the problems is that the website has more misleading information regarding the returns policy.

      They say it’s 100% guaranteed but there are so many people complaining they can’t get a refund!

      It’s also common for people to complain “it’s just a keto coffee pyramid scheme.”

      #7 Using Social Media- Selling to Your Friends and Family

      So it’s great that It Works will show you how to use social media and the internet to promote the MLM business opportunity.

      However, in reality, this means you are going to have to do something…

      Sell to your friends and family!

      If you’re like me, then you probably HATE it when a random person messages you on Facebook about some new amazing opportunity. So when it’s a friend or relative you often end up resenting them.

      You don’t have to do this to make money at home!

      If you join It Works… you do!

      Related content:

      My Opinion – It [Doesn’t] Works!…

      See what I did there?! (I am smug as a pug right now!)

      Unless you are willing to quit your job and go all in and commit 110% on this right away, It Works just won’t cut it.

      The products are nothing special.

      It’s debatable if the cling film around your belly actually does anything.

      But the worst thing is you will have to go around selling this stuff like it’s the best thing since sliced bacon. It will never become passive income like MLM companies make it seem.

      As soon as you stop putting in the work, your income will stop.

      Is There An Alternative?

      It wasn’t that long ago that I was still trying to figure out how it’s possible for people to make money online.

      I wanted to find a passive income system that ticked a few boxes:

      1. I could work on part-time when I wanted (I was still in a full-time job)
      2. Therefore I needed it to not cost a fortune to start and maintain
      3. Didn’t need me to sell stuff to my friends and family

      It was in September 2018 that I found Wealthy Affiliate.

      In September 2019 I quit my full-time job.

      The best thing about it is:

      • It’s free to start
      • Qualified traffic is brought to you for free (just think about how you found this review… there was no money or time spent from me promoting this!)
      • You get me as a personal coach to help you on your journey & access to a community of 1.5 million like-minded people
      • You don’t need ANY technical skills to start

      Oh and you can promote ANYTHING you want. There are no restrictions you truly create your own personal online business.

      This time 14 months ago, I never thought I would be saying those words (I’m terrible with technology!)

      When you try out this program you will see why so many people recommend it.

      No credit card details requiredcheck out the bonus at the bottom of this page

      It Works! Review: The “MakeTimeOnline” Final Word

      So is It Works a pyramid scheme?

      No. But it is a pyramid scheme in disguise. If you want to make decent money, you will have to recruit people into it.

      The products are average at best and it doesn’t really have a unique selling point to stand out in the crowded health market.

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

      Keep changing for the better,


      Join 1.5 Million People

      Using the proven 4-step system to make passive income online

        We won’t send you spam. Unsubscribe at any time.
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        P.S. Since you’re still here, I’m going to assume that you are interested in making money online to free up your time. So check out my review of my #1 recommended program and join the form below to get $450+ worth of freebies…

        Is Primerica a Pyramid Scheme? MLM Life Insurance Scam or Opportunity?

        In the spirit of full transparency, know that this Primerica pyramid scheme 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.

        Primerica Review

        You probably found this page because you have been offered the opportunity to start a “home business” with Primerica.

        Maybe you saw an advert for it or perhaps someone has personally contacted you about the opportunity because they think you are a “good fit”.

        Most people know it’s not that easy to start making money from home. But Primerica promises to be that solution for you.

        This honest Primerica review, with videos, will reveal the truth about the program and let you make an informed decision about whether it is right for you or not.

        Primerica Review- The Overview and Rankings

        • Name: Primerica
        • Owners: Founded by Athur L. Williams Jr. in 1977 (CEO Glenn J. Williams) (70 out of 100)
        • Website URL: primerica.com
        • Type: Insurance & Financial Services MLM Company
        • Success Stories: 20 out of 100
        • Products: 10 out of 100
        • Price: $99 to start & $25/ month
        • Maketimeonline.com Rating: 33 out of 100

        Pros and Cons


        • Low costs to start a business
        • Good BBB ratings and seen on Forbes
        • There is a screening process to qualify as a distributor
        • Low on-going costs and no need to buy products or keep inventory


        • Many complaints about the products
        • Many complaints about the MLM opportunity
        • The finance industry is certainly not for everyone
        • Low success rate and lack of success stories off of their website
        • You’re really going to have to sell to your friends and family
        • Lots of controversy and lawsuits surround Primerica

        What does Primerica do?

        Primerica offers a range of financial services for the everyday person. From insurance to investment opportunities, Primerica will have something for anyone.

        They also are a Multi-Level-Marketing (MLM) company that provides every day people the opportunity to start their own home business and make money by selling their services.

        The 4-minute video below sums it up (feel free to watch it on x2 speed if you’re in a hurry).

        Primerica’s mission statement- To help families become properly protected, debt-free and financially independent.

        Chances are it sounds like a great company that everyone would want to be a part of.

        So let’s dig in a bit deeper…

        Primerica’s Product Line

        There are 6 main products that Primerica offers, with branches and different options off of each product:

        • Term Life Insurance
        • Financial Investments
        • Long-term Care Insurance
        • Auto & Home Insurance
        • Credit Monitoring
        • Debt Management Plans

        Here is an example of the Primerica dashboard if you were to use them for financial investments…

        Is Primerica a Pyramid Scheme

        Primerica offers easy to use financial services.

        This does mean they use mutual funds for investments as you can see above.

        It does also mean that you as a customer don’t really have control over your money, investments or price point of insurance.

        As you continue to read this Primerica review, you will find out more about these products in more detail and my personal recommendation (which I believe should be taught in school to everyone!)

        You’re probably really on this page because you want to know…

        How Can You Make Money With Primerica?

        So it’s possible for you to become a recruiter for Primerica’s products.

        Basically, if you were to sell these products to someone else you can receive a commission.

        You can also earn by getting other people to become a Primerica recruiter.

        Before we dive into that, it’s important to know…

        How Much Does It Cost To Start The Primerica MLM Business?

        It costs $99 one time payment to get started.

        Then there is a $25 monthly payment to stay active as a Primerica recruiter.

        There really are no additional costs or an amount you need to sell or spend on other products each month to stay active.

        So you’re probably wondering about the…

        Primerica Compensation Plan

        There are 4 main ways for you to earn a commission from Primerica:

        1. Sales Commissions on Insurance – Commissions earned when you sell any financial plans (see the screenshot below)
        2. Overrides on Downline’s Insurance – 10% override commissions for the sales from your downlines (you can earn a commission for “11-tiers” down below you)
        3. Differentials from Downline’s Insurance Sales – You get commissions for helping your downlines make insurance sales
        4. Commission on Other Products – You can earn a commission from any other Primerica product sales
        Primerica Compensation

        The whole 11 tier deep thing can be confusing so let’s take an example.

        You join Primerica and become a representative.

        This means you make 25% of any Primerica sales you make i.e. $250 commission on a $1,000 product sale.

        If you get other people to join Primerica as a representative you can get “promoted” up the ranks.

        So let’s imagine you are a regional manager…

        If one of the representatives that joined through you makes a $1,000 sale he would make $250 commission (25% of the sale) and you would make $450 (70%-$25 = 45% of the sale).

        Basically you can start to make money from the sales of your downline too.

        Now, I can almost hear your mind asking…

        Is Primerica a Scam?

        Technically no.

        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

        Primerica has a long-standing business record and clearly does provide some legit financial products.

        Are these the best products on the market? Personally I very much doubt it (well I can guarantee mutual funds are not as you’ll find out later in this Primerica MLM review).

        Just to be fully transparent with you, I have not purchased this program myself and I do not endorse it in any way.

        I have researched the website, testimonials and information on the Internet 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.

        Is Primerica a Pyramid Scheme?

        Now, this is the interesting one!

        Again technically no… Primerica is not a pyramid scheme.

        However, I do think it’s important to be aware of how you make money within this MLM program.

        Check out this 6-minute video to learn more about how to detect a pyramid scheme.

        What is a Pyramid Scheme?

        A pyramid scheme is a promise of paying clients for them recruiting new members into the program, rather than selling an actual product.

        As Primerica does have numerous products and it is possible for recruiters to make money by selling these products it is not a pyramid scheme.

        If the only way for them to make money was by recruiting new members then it would 100% be a pyramid scheme.

        Related content:

        Primerica Review: The Good

        Here are some of the things I like about Primerica…

        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
        • Pyramid Scheme – recruits members via a promise for payment from referring others to the service rather than providing a product
        • Affiliate Marketing- Connecting a customer to a product they are looking for and receiving a commission for doing so
        • Red Flag – A warning sign

        #1 Low Costs to Start a Business

        It’s not every day that you get an opportunity to start a business for $124.

        Is Primerica a Pyramid Scheme

        This may lure a lot of people into jumping into it without giving it any thought.

        However, you’re obviously not “a lot of people” as you are doing your due diligence first! Congrats!

        #2 Good BBB Rating & Reviews on Forbes

        It has been featured in Forbes, A. M. Best and has a rating of A+ on Better Business Bureau.

        Primerica Review

        This shows the company is well regarded and has been in business for over 40 years!

        They must be doing something right!

        #3 Screening Process to Qualify as a Distributor

        It’s not possible to become a distributor of Primerica without going through a “screening process”.

        This means that at least the people selling the products have had some form of training and

        Glassdoor makes it clear there is some training that all members go through when they join Primerica.

        #4 Low On-Going Costs- No Need to Buy Products or Keep Inventory

        Many MLM programs require you to sell a certain amount each month.

        This usually means that when you are starting you need to buy the products just to stay active as a distributor. This often results in needing to buy storage space for all the extra products you have piling up!

        This is not the case at Primerica. You only need to pay $25 a month to stay active.

        #5 Primerica is Not Technically a Pyramid Scheme

        Primerica is not a pyramid scheme as already discussed in this Primerica MLM review.

        Is Primerica a pyramid scheme?

        As you can see there have been over 5 million lives insured and 2 million client investment accounts.

        The products are definitely used by real people.

        They’re not just products to make it seem like they are selling something, but really it only works if you recruit more people.

        Primerica Review: The Not So Good

        Every company or business opportunity will have pros and cons.

        Anyone that doesn’t tell you about the cons upfront is probably trying to take your money and run before you find out!

        Here are some of the bad parts of Primerica that you should be aware of before diving in…

        #1 Complaints About The Products

        I’m not going to beat around the bush here.

        There are SO many complaints about the products.

        Here are two of the most common ones on Consumer affairs, Glassdoor and BBB.

        Primerica Review
        Being awkward at paying insurance
        Is Primerica a pyramid scheme?
        Hard to get money out of investments (oh yeah and remember mutual funds are terrible because of the high fees!)
        Primerica Review
        Increasing the insurance payments without telling customers

        These are honestly not cherry-picked (in fact I saw some others such as taking the life savings from a veteran pensioner).

        If you were to look at any of the linked websites above you will find hundreds of these kinds of reviews.

        #2 Complaints About Primerica’s MLM Opportunity

        If you’re thinking…

        “Oh well the products may not be great but at least I could make a quick bob!”

        Well the same websites also throw out some curveballs for the MLM business opportunity.

        Primerica Review
        Taking advantage of people
        Is Primerica a Pyramid Scheme
        The only way to make good money is by recruiting other people (sounds like a pyramid scheme right?)

        Again, these are not selected by me. There were so many on there saying the same kind of things!

        #3 The Finance Industry Is Not For Everyone

        It doesn’t matter what the representatives tell you.

        This gig is NOT for everyone!

        Trying to sell financial products to unsuspecting victims when your finances are in tatters is not something that “anyone” can do.

        You are going to have to sell and you are going to have to keep asking people. If you don’t want to do this kind of thing, then this is not the opportunity for you.

        And yes there are ways to make money from home without being a pushy salesperson!

        #4 Lack of Success Stories & Low Success Rate

        Just check out the statement below from the Primerica 2016 income disclosure.

        From January 1 through December 21, 2016, Primerica paid cash flow to its North American sales force at an average of $6,088 per life licensed representative.

        That is the average!

        Could you live off $6,000 a year?

        Now let me tell you. The top dogs of this company will be making A LOT of money. So what do you think that means most people are earning?

        Bingo… diddly squat!

        #5 You Really Need to Sell to Your Friends & Family

        Again you will hear from the representative pushing you to join that you won’t need to sell this to people you know.

        “There are so many other ways to do it”

        Here’s the truth…

        They don’t tell you the other ways because they don’t exist!

        The ones that do exist involve paying for some other forms of training and putting in years of work to understand how internet marketing actually works. But if you do that, you will find way better things to promote along the way that Primerica will be a waste of time!

        #6 Controversy & Lawsuits

        In 2014 Primerica set aside $15.4 million to settle 238 cases.

        I’ll say that again…

        238 lawsuit cases!

        If that doesn’t ring the alarm bells, then I’m not sure what will!

        Related content:

        My Opinion – Primerica MLM Opportunity

        It’s not worth it.

        The products are not very good. The price of the policies increase randomly, mutual funds eat your profits due to commissions and people don’t rely on one company for their finances any more.

        It’s so much easier to shop around (thanks Google) that this whole business model is outdated.

        Even if the products were good here is what real people say about the company…

        Is Primerica a Pyramid Scheme

        “It’s a pyramid scheme in disguise” appears in 46 reviews!

        The only way you’ll make money from this is if you get others to join the representative program. And you’ll have to lie to them about how great the company is to do that!

        Is There a Better Way to Invest Your Money?


        Index funds!!

        I’m so glad you asked that eventually, it’s been killing me to not scream this the whole way through this Primerica review.

        Obviously index funds aren’t the same as life insurance but if you teach all of your family about them it will be better than it in the long run!

        I won’t go into detail about why index funds beat mutual funds or any other type of investments in the stock market for 99.9% of people right now as that will be too long.

        If you’d like to know more then check out these short podcast series that explains all you need to know (under 20 minutes each… and you can listen on your way to work, during your lunch break, at the gym or when your shopping next):

        1. 7 reasons you should invest in index funds today
        2. How to invest in index funds
        3. The ultimate passive income strategy using index funds

        Is There An Alternative to The Primerica MLM Business?

        It wasn’t that long ago that I was still trying to figure out how it’s possible for people to make money online.

        I wanted to find a passive income system that ticked a few boxes:

        1. I could work on part-time when I wanted (I was still in a full-time job)
        2. Therefore I needed it to not cost a fortune to start and maintain
        3. Didn’t need me to sell stuff to my friends and family

        It was in September 2018 that I found Wealthy Affiliate.

        In September 2019 I quit my full-time job.

        The best thing about it is:

        • It’s free to start
        • Qualified traffic is brought to you for free (just think about how you found this review… there was no money or time spent from me promoting this!)
        • You get me as a personal coach to help you on your journey
        • You don’t need ANY technical skills to start

        When you try out this program you will see why so many people recommend it.

        No credit card details requiredcheck out the bonus at the bottom of this page

        Primerica Review: The “MakeTimeOnline” Final Word

        So is Primerica a pyramid scheme?

        Technically no.

        But if you want to make any decent money from it you will have to get others to join the program, and likely sell your soul in the process to do so!

        Keep changing for the better,


        Join 1.5 Million People

        Using the proven 4-step system to make passive income online

          We won’t send you spam. Unsubscribe at any time.
          Powered By ConvertKit

          P.S. Since you’re still here, I’m going to assume that you are interested in making money online to free up your time. So check out my review of my #1 recommended program and join the form below to get $450+ worth of freebies…

          Millionaire Teacher Book Review- The Best Way to Invest in the Stock Market

          Note I am not a financial advisor I am only giving my opinions on the Millionaire Teacher book review. There are also affiliate links in this article, read the full disclaimer here.

          As you read every word of this review you will become amazed at how a teacher has become a millionaire!

          Millionaire Teacher book review

          Yes, you read that right!

          Andrew Hallam really does have an extraordinary story. But the methods he used to get where he is are very ordinary.

          Millionaire Teacher Book Review – The Overview and Rankings

          • Name: Millionaire Teacher- The Nine Rules of Wealth You Should Have Learned in School
          • Author: Andrew Hallam 86 out of 100
          • Originality: 80 out of 100
          • Practical methods: 92 out of 100
          • Enjoyability: 55 out of 100
          • Price: Kindle $13.16/ Paperback $15.50
          • Maketimeonline.com Rating: 78 out of 100

          Pros and Cons


          • Inspirational story
          • Great advice for the “average” person
          • Makes you realise it is possible to build wealth no matter what your income is
          • Uses some excellent facts and opens your eyes to investing in the stock market
          • Great practical tips throughout the book
          • Gives you step by step advice of how you can start TODAY!


          • The advice is not going to help you retire really young (unless you are a child reading this)
          • Gets a bit technical later on – makes it less enjoyable (especially if you’re new to investing)
          • Quite generic advice and leaves you with questions if you don’t fit certain criteria (i.e. what to do if you’re an expat/ don’t live in one of the 4 countries he mentions… luckily he has another book for that!)
          • Only really shows one possibility of investing (invest in index funds

          Who is Millionaire Teacher for? 

          Let me ask you this, “are you interested in earning a passive income?”

          Andrew demonstrates the importance of living frugally and investing in the stock market when young. If you read this book in school you would be laughing right now.

          People this book is for:

          • Anyone that wants to achieve financial independence 
          • Anyone that wants to invest but doesn’t know where to start
          • People that find there’s not enough month at the end of the money
          • Low income workers
          • HIGH income workers
          • Ideal for young adults (but there is important advice for older generations too!)

          Are you beginning to see how the millionaire teacher book review could help?

          What is Millionaire Teacher about?

          Since you’re still here I’m going to assume that you want to learn more about investing in the stock market. 

          The methods Mr Hallam mentions in the book have been proven by numerous studies to be the BEST and easiest way to invest money to grow wealth. 

          If you’re like me, you want to find multiple streams of passive income. 

          This method is possibly the MOST passive form of income I have found to date.

          As you keep reading this webpage, you will feel more and more amazed at how Andrew Hallam became a millionaire and some of the (slightly insane) things he used to do to save more money, pay off his debts and invest more. 

          This includes when he used to ride his bike 70 miles a day to and from work. 

          He did this because he could rent a basement for $350 a month out of town and avoid paying for fuel in his 20 year old $1,300 volkswagen (which he sold for $1,800 2 years later). 

          There is lots of great advice in here but there are 3 big lessons I want to share in this millionaire teacher book review…

          1. What car to buy?

          Imagine what it would be like if you could use a car for a few years and be paid to use it?

          Rather than leasing a car, Andrew Hallam has an EYE POPPING tip to purchasing a car! 

          The secret is:

          Buy second-hand Japanese cars that have low mileage and are well maintained…

          Monkey simple!

          Japanese cars like Toyota and Nissan typically hold their value well and it’s not uncommon to be able to sell the car for more money a couple of years later. 

          When comparing this to leasing a car the savings are rediculous! The average savings of buying ANY second hand car is $4,856 per year for a two-car household. 

          That may not sound like a lot but wait for this…

          If you invested $4,856 a year into an index fund that pays 7% on average for 20 years the final amount will blow… your… mind!!…


          Is leasing 2 cars compared to getting 2 second hand cars worth $277,455 to you? (btw if you carried on for 40 years it would be $1,890,496!!)

          Do you still think leasing that brand new Audi is a good deal?

          2. Want Stocks? Get Index Funds 

          This part of the book is more important than the air we breathe. 

          There are numerous reasons why Index funds are the best way to invest in the stock market but here are the main points summarised:

          • The fees are so LOW in comparison to most funds that you can buy (this is why index funds win!)
          • They consistently beat mutual funds even though they cannot beat the market (they track the market)
          • They cannot go BUST, unlike mutual funds or individual companies!
          • It saves so much TIME
          • It forces you to buy low and sell high (if you invest monthly or you rebalance your portfolio once a year)
          • If fund managers struggle to beat the market, what chance do you think you would have if you do it yourself

          3. Start Young

          Let me tell you the story of Star and Lucy…

          A 5 year old girl Star invested the $1.45 a day she earnt from recycling cans. She carried on investing $45 a month until she was 65 years old (a total of $32,400 invested). 

          Her friend Lucy, started to invest $800 a month at the age of 40 until she reached 65 (a total of $240,000).

          Star’s final value was over $237,052 more than Lucy, despite Lucy investing WAY more money than Star.

          QUOTE The best time to have started investing was when you were born. The second best time is today

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          But What About When the Market Crashes?

          You’re smart enought to know it’s not if but when the market crashes. 

          This FACT blew my mind!…

          Over the course of 2005-2015 the Vanguard S&P 500 Index averaged 8% per year... This was during the financial crisis of 2008-2009!!

          Now, let me ask you a personal question. Do you think you could buy more stocks if the media and the whole world were panicking about the stock market and telling you it could cause a financial melt down?

          I know I would find it hard! 

          This is the reaso why a typical investor in the S&P 500 only averaged 6.37% during the same time frame.

          Fear meant that investors stopped buying when the market was “on sale”

          Now imagine you keep paying in the same amount every month. It means you buy MORE units when the prices are low and less units when they are HIGHER!

          e.g. Let’s say you pay in $100 a month into a Vanguard Index Fund. If the price of the index fund is $10 you can buy 10 units. If it has crashed and is now $5 you can buy 20 units (it’s on SALE!!)

          It is for this reason that the Vanguard Retirement 2045 Fund returned an average of 7.39% to their investors between 2005-2015 but the average investor who had a direct debit with them earnt 9.32%.

          A return of over 9% a year on average DESPITE the crash of 2008-2009!!

          So What Should I do?

          Just picture this for a moment… 

          You never have to work again because your index funds provide you with MORE money than you need to live off.

          To get to this stage we need to know some numbers. 

          Let’s imagine you and your family can live off $50,000 a year. 

          Let’s also assume your index fund returns an average of 7% per year.

          Here’s the maths!…

          Annual expenses/ Avg. return = Total nest pot to invest 

          $50,000/ 0.07 = $714,285.72

          Just think about it… you can spend $50,000 a year forever, without touching the initial “nest pot”!

          If you’re thinking that it will be IMPOSSIBLE to get a pot of $714,285.72 then read on…

          Let’s just imagine you can save $20,000 a year and invest it in the stock market. 

          This would take you 17 years to reach your figure of $714,285.75 or 21 years to reach $1 million. 

          I will go more into detail about the unltimate strategy in a future post. 

          For now just know that the most important thing you can do it set up an account and GET STARTED! £100 a month will make a huge difference to your future. 

          Pin this to come back to this article again later.

          My Final Opinion – Millionaire Teacher Book Review

          If you are thinking to yourself “to be able to retire after 17 years is not bad” then you are right. 

          To be honest it’s much better advice than you will get from most financial advisors. 

          However, this is not allowing for inflation or any changes in your lifestyle (maybe you want to have children or your kids are going to uni or you want a holiday home to retire with etc.) 

          Plus you NEED to save $20,000 a year… EVERY year.

          Andrew Hallam is clearly an extraordinary man. 

          He was able to be self-disciplined and did some things that most people would not be prepared to do. 

          Personally, I don’t believe in focussing too much on cutting expenses as it closes our minds and you will never be able to save more money than you earn. 

          The focus should always be on increasing our income!

          Whilst Mr Hallam may have given himself a comfortable life and a financial indenpendence from his portfolio, he has only become “rich” by becoming an entreprenuer. He has missed out this fact in his book (just like Dave Ramsey). 

          He makes a lot of his income from books, courses and selling HIS products. 

          If you want to be “Financially Independent and Retire Early” (FIRE for short) you realistically need to find a side hustle or alternative ways of MAKING money. 

          Millionaire Teacher Book Review: The “MakeTimeOnline” Review Final Word

          Now that you’re at the end of this millionaire teacher book review, you will have learnt the importance of investing in index funds and living frugally. 

          If you start early enough you can utilise compound interest to work for you, without having to put as much capital in yourself. 

          Let’s face the reality that index funds consistetly beat private investors and mutual funds due to:

          1. Fear & Greed (people tend to sell low/ buy high)
          2. Fees (mutual funds need to beat index funds by over 4% due to taxes, fees and commission costs

          If you are looking to invest in the stock market this book will provide you with a guide as to how to start and the best index funds to use (if you live in the US, UK, Australia or Singapore).

          Keep changing for the better,


          p.s. If you have any questions and I mean ANY questions about Millionaire Teacher, please leave them below. If you have read this book before or something similar please add your thoughts.

          p.p.s. If you are serious about making money online, I would advise you to check out my #1 recommended program here

          Hypnotic Writing Review – How to Seduce and Persuade

          There may be affiliate links in this hypnotic writing review, read the full disclaimer here.


          Have you ever wanted to travel the world and get paid to do this? This book will provide you with the tools you need to become a full-time digital nomad. 


          Hypnotic Writing Review- 
          How to Seduce and Persuade 

          You don’t realise it yet, but in the next 2 minutes, you’re going to feel very sleepy… very sleepy… very sleepy…

          If you’re still awake then read on to see what you can learn from this Hypnotic Writing Review.

          Find out if you can SEDUCE and PERSUADE plus grab your FREE copy of Joe’s secret weapon.

          If you are still awake then I want a refund for this book as it clearly doesn’t work!… or does it?

          Hypnotic Writing – The Overview and Rankings

          • Name: Hypnotic Writing- How to Seduce and Persuade
          • Author: Joe Vitale – 75 out of 100
          • Originality: 95 out of 100
          • Practical methods: 89 out of 100
          • Enjoyability: 81 out of 100
          • Price: Kindle $11.81, Paperback $18.49
          • Maketimeonline.com Rating: 85 out of 100


          Pros and Cons


          • Amazing examples of “hypnotic writing” at its best (headings, letters, openings etc.)
          • Gets you thinking early on. Some practical tasks to do (have a pen and paper at the ready!)
          • Gives examples of “hypnotic words” and “pleasure inducing” words or key phrases.
          • Jaw-dropping tips on how to write to sell.
          • He uses hypnotic writing throughout the book so you are constantly reading examples.


          • It’s easy to read but some of the tasks make it less enjoyable (I guess you can easily skip these… but books/ courses are rarely as effective if you do that!)
          • Some examples are REALLLY long.
          • Not always a clear answer


          Who is Hypnotic Writing by Joe Vitale for?

          Just imagine being able to get 100% response from the copy that you write.

          Well apparently that can happen…

          Bruce Barton (whoever this geezer is) wrote a letter in 1925 that pulled 100% response– everyone answered and sent in money.

          If you are like me you are probably thinking, “how the heck did they track the response in 1925?” There were no internet and tracking devices… well don’t shoot me I’m just the messenger.

          As you absorb the information in Joe’s book you will find the answer to how Bruce pulled it off.

          Anyhoo here’s a list of people that would benefit from this book:

          • Online marketers (email, affiliate, own products to sell etc.)
          • Anybody who wants to make money online
          • Anyone that wants to become an entreprenuer
          • Anyone wanting to sell something
          • Journailists
          • Anyone wanting to write a book
          • Authors
          • Anybody that wants to learn more about how human beings think

          What is Hypnotic Writing? 

          Hypnotic writing is intentionally using words to guide people into a focused state where they are inclined to buy your product or service.

          Many studies have already proven that there is an actual science or perhaps an art to writing hypnotically.

          Joe proves there are key-words and phrases that you can use that will help you weave words to make your readers buy and trust you. Now, I can almost hear your mind saying, “Will I ever be able to write like this?”


          Wouldn’t it be amazing if I were to show you some forms of hypnotic writing?

          You probably know that I’ve been using hypnotic writing in this review.

          As you read the rest of this article you will start to become more aware of it and realise how ANYONE can write hypnotically.



          The Hypnotic Writing Secrets

          1. Get out of your ego and into the reader’s ego

          This is possibly the most important point in the whole book.

          Simply put:

          Every time you state a fact, describe how that fact will help the other person. 

          e.g. “Find out Joe Vitale’s best tips for copywriting.”

          Compare this with:

          Have you ever wanted to travel the world and get paid to do this? This book will provide you with the tools you need to become a full-time digital nomad.


          2. Create Excitement and Curiosity

          Imagine what if would be like if you could get your readers to react by forming mental images in their mind.

          There are 3 different ways to place mental images into your reader’s mind:

          • Visual
          • Auditory
          • Kinetic

          The powerful phrases that are provided in the “hypnotic cheatsheet” create excitement and curiosity in your readers. Check it out…


          3. Pain or Pleasure? Meet the Reader Where They are

          There are 2 ways to cause action.

          1. Pain
          2. Pleasure

          This was a part of the book that I thought Joe Vitale didn’t really commit to. He started by saying how it has been proven that highlighting people’s fears and pain causes them to buy more often.

          Then I felt like he backtracked and said that it’s morally better to highlight the benefits of the product and try not to use their pain.

          Here are the 4 steps that copywriting should use:

          1. Problem- Grab attention
          2. Promise- Gain interest or provide a solution
          3. Proof- Use testimonials or money back guarantee etc.
          4. Price- Use a call to action and show the reader the price

          Personally, I think any serious copywriter will use pain or pleasure at different times. 

          Big Joe does also admit this:

          My idealistic brain would like to only focus on pleasure for idealist reasons, but I’m enough of a realisit to know sometimes people need to be reminded of their pain.

          The best way to do it is meet the reader where they are. If they are in pain… mention it and then provide a solution.


          4. Make every line active, personal and alive

          The radio is BLARING in the background.

          Your phone just BUZZED from a Whatsapp message.

          The kids are SHOUTING in the room next door.

          Life is FULL of distractions. So your writing must hold people’s attention. To do this it has to be active.

          To make your writing alive you MUST rewrite your work.

          Here is an example:

          “The door was opened by Mike”

          This is passive

          “Mike opened the door”

          Is better and more active… but it’s not hynotic

          “Mike kicked open the door”

          Is much more attention grabing. Kicked is an alive word! We can do one better though

          “Mike kicked open the door”

          Using bold/ italics/ CAPITALS on the odd word is a great tip to make your writing more ALIVE and attention grabbing.

          There are so many active words and ways to make your writing personal. You can find these phrases all in the “hypnotic cheatsheet”


          5. Start by agreeing with the reader on something

          Every reader wants to know three things:

          • “Who cares”
          • “So what”
          • “What’s in it for me?”

          Instead of just HITTING your reader with your point from the start, try agreeing with them on something. This helps your reader relate to you and feel a sense of trust. 

          When you move the writing in the direction you want, they are more likely to believe you.



          6. How much should I write?

          The rule of thumb is:

          The higher the cost the more copy is needed.

          It’s important to only provide the information needed though, never add words for the sake of it!

          Have you ever written something and then gone back to edit it, but found it very hard to cut down your word count? Of course you have! You’re human. We become attached to our words… “I put my blood sweat and tears into that!!”

          NOTE- Being ruthless and cutting down your word count is crucial to keep your readers engaged. Remember, people are BUZY, they don’t want to waste time!

          A great tip is to imagine someone would pay you $1,000 for every word you cut out. Do what it takes to remove your words that aren’t needed.

          Here are 4 great tips to make your writing more readable:

          • Use bullets
          • Use quotes
          • Make the most of itsy-bitsy paragraphs
          • Use boxes


          7. Repetition

          Have you seen the film “Good Will Hunting”? If you haven’t what’s wrong with you?! Make that your next Netflix film… it’s a MUST watch!

          There is a scene when the Robin Williams confronts the disturbed young man in his office with the phrase “It’s not your fault.”

          He pauses, then again says, “It’s not your fault.”

          One more time, “It’s not your fault”

          And the hard-headed tough young Matt Damon breaks down in tears.

          The point is that repetition of key words or messages is actually hypnotic. It emphasises the importance of them and can influence a person’s subconscious mind. 

          Repetition is hypnotic

          Repetition is hypnotic

          Repetition is hypnotic


          8. Use a Simile and Analogy book

          Imagine what it would be like if you could turn your online business into a full-time gig.

          Just picture making more money than Donald Trumps tax savings.

          Having a simile and analogy book will help you to write in a way that is more entertaining than Robbie Williams. There is no doubt about it… people want to be entertained.

          Wouldn’t it be amazing if you could get this book for free right now?


          Joe Vitale’s 5 step method to writing & 3 BIGGEST Secrets

          Joe does these five steps when he writes… EVERY time:

          1. Intention– Direct your mind i.e. what do you want to write about?
          2. Research– Feed your mind i.e. test the product or read reviews or talk to people about it.
          3. Creation– Unleash your mind – don’t think just write.
          4. Rewrite– Sharpen your mind – the most important step to making writing hypnotic.
          5. Test– Training your mind – send it to different people and see what their response is.

          But more importantly these are Joe’s 3 BIGGEST writing secrets:


          1- He doesn’t do the writing!

          Well, he does but that title is attention-grabbing huh!?

          What he means is that he tries to clear his mind and let his subconscious write. He’s already researched and prepped so he practices letting his unconscious write (apparently it’s super powerful).

          This is 100% something that ANYONE can learn. Most people just don’t practice writing.


          2- He dialogues in his mind

          Joe imagines that he is speaking to someone as he writes.

          This way he can guess what their questions would be and provide answers in the writing.


          3- Then he plugs in hypnotic writing

          This is where Joe’s writing becomes amazing.

          Only AFTER he has finished his writing draft will he go back through his writing with his “Swipe File”.

          He finds places that he can rewrite a hypnotic statement. This file is his crutch and secret weapon.


          Hypnotic Writing Review: The “MakeTimeOnline” Review Final Word

          If you are interested in selling anything then hypnotic writing is a book that you will learn so much from.

          The fact is there are many transferable lessons to selling face to face or just interacting with people outside of writing.

          I know what you’re thinking! Surely I’ve learnt most of the best bits from reading this hypnotic writing review…

          Well here are some other golden nuggets that you will get from the book:

          • The best piece of hypnotic writing Joe has ever made
          • What is more important than hypnotic writing
          • How to use these techniques on your website
          • What people will ALWAYS read
          • The 5 secret laws of hypnotic persuasion

          When you use the hypnotic cheatsheet you will discover how useful these little goodies are.

          Keep changing for the better,


          p.s. If you have any questions and I mean ANY questions about this hypnotic writing review, please leave them below. If you have read this book before or something similar please add your thoughts too.

          p.p.s. If you are serious about making money online, I would advise you to check out my #1 recommended program here

          81 Days to Becoming an Online Sales Machine Review – Find out the Secret…

          There is one BIG secret to getting ahead in life…


          This book review of Kelvin Dorsey’s “81 Days to Becoming an Online Sales Machine” will reveal what that secret is.


          81 Days to Becoming an Online Sales Machine- The Overview and Rankings

          • Name: 81 Days to Becoming an Online Marketing Sales Machine
          • Author: Kelvin Dorsey- 91 out of 100
          • Originality: 85 out of 100
          • Practical methods: 79 out of 100
          • Enjoyability: 93 out of 100
          • Price: Kindle $1.27
          • Maketimeonline.com Rating: 87 out of 100


          Pros and Cons


          • FULL of tips!
          • Great for beginner or experienced internet marketers
          • Easy to read- lots of white spaces and short chapters
          • Funny analogies & similies (as long as you are not a feminist!!)
          • Great book recommendations
          • Great examples used


          • Not as much on practical email marketing methods as I thought (considering he is an email marketing guru!)
          • Could be offensive at times to some people (but he does have disclaimers about this!)


          Who is “81 Days to Becoming an Online Sales Machine” for?

          The word “sales” comes with a pretty big judgment.

          The truth is that everyone needs to be able to sell. As a teacher, I am constantly selling the idea of taking part in each lesson to learn.

          Saying this, here is a list of people that would really benefit from reading this book:

          • Internet marketers- email marketing, blogger, Youtuber, podcaster (if you sell anything on the internet)
          • Entrepreneurs
          • Writers
          • If you want to start your own side hustle
          • If you aren’t happy in your job
          • People that would like to improve their communication skills


          Kelvin Dorsey uses 81 chapters (days) to explain some amazing Internet Marketing tips. As a taster here are my favourite 12…


          #1 Target Market- Go From Zero to Hero in Less Than a Year

          Kelvin makes this point better than milk compliments tea.

          He tells a story about a salesman, Joe, who couldn’t sell any of his self-improvement tapes:


          One day Joe went to see an old friend with his tapes, who was now a successful businessman. His friend loved the tapes and thought Joe must be selling loads of these!

          Joe told him this was his first sale and his old friend asked who he was selling these to.

          This is the main point…

          Joe didn’t have a bad product, he was just targeting the wrong market. He was selling these tapes to anyone struggling in a marriage or business…

          His friend said, “STOP!! You need to sell these to successful people. They are successful because they take ACTION and buy this stuff.”


          Joe went on to be the best salesman in his company simply because:

          • He targeted the right people (winners instead of losers)
          • He sold to their wants, not their needs

          You must know your target market inside out. You need to know their:

          • Values
          • Wants (sell to these)
          • Needs
          • Interests
          • Where they spend time
          • What words they use
          • What frustrates them

          This helps you to advertise to LESS people!

          Effective advertising is always specific. You should only market to your target market.

          If you try to sell to everyone you will sell to NOONE.


          #2 The Secret to Curiosity

          So you still want to know the secret to getting ahead in life?

          I’ll tell you later…

          Why does the word “secret” entice people in so much?

          • People are innately fat and lazy- secret implies doing less work
          • People are curious creatures
          • People feel like everyone else is in on something that they aren’t
          • People are competitive (ever looked for a car park space in a full car park?…)
          • “Secret” implies you’ll gain an advantage over others

          Curiosity plays a big role in getting your readers to click your links as an internet marketer.

          Here are some ways to inflame curiosity with your headings:

          1. Questions
          2. Riddles
          3. Unknown resolutions
          4. Violated expectations
          5. Access to information known by others
          6. Weird and wacky

          If you can do any of these things you’re much more likely to get clicks on your links according to Mr Dorsey.

          So anyway as promised the secret to getting ahead in life is…

          Hard work

          I didn’t say you were going to like it!! But Mr Dorsey says it himself and he is an email marketing guru after all…


          #3 The Story behind Selling in Stealth Mode

          Imagine this:

          You wake up to the smell of a perfectly brewed coffee wafting down the hallway. 

          You whack open your laptop and check your email. Your coffee tastes good!

          The first thing you hear is… 


          You’ve got funds.

          But you don’t have only one of these emails…

          You scroll down to see payment after payment.

          There is this warm, fuzzy feeling as you realise your financial worries are now over…

          For good!


          As Kelvin explains… When you tell a good story it sells for you. The best part is people don’t even realise they are being sold to (it’s stealth like!)

          Here are some tips for a good story:

          • Use emotion
          • Persuasion- paint an image vivid and real
          • Hit the 5 senses
          • Cut out adjectives add ACTION verbs

          Notice the story above uses all of these tips.


          #4 How to Use Wi$e Word$

          Have you ever used a thesaurus before?

          Chances are you were probably doing the opposite of how you should use it when writing online!

          Instead of using it to find bigger or fancier words… use a thesaurus to find shorter and easier to understand words.


          People read 25% slower on a computer screen than they do on paper


          Some advice for writing stuff that gets read:

          • Avoid $10 words – it hurts your brain to read
          • Clarity- KISS (Keep It Simple Stupid)
          • Easy and fun to read- reading your work should NEVER be a chore.

          Need an example to see what KD means?

          This male homo-sapien is begetting a myocardial infarction in the cardiac blood-pumping organ.

          Simply means:

          He’s having a heart attack


          Long sentences cause more eye fatigue on screen than paper


          #5 Change a No to a Yes- Perception

          What piece of information can you give to make your prospects see their current situation in a different light?

          Let’s say a course costs $365.

          This is the same as $1 a day for a year.

          Or the equivalent of 5 pints of beer a month in a bar in the US (just over 1 pint of beer a week!)


          Would you rather pay $1 a day or $365 right now?


          It’s important to talk in terms of your audience. This is why tip #1 is so important! Perception is often what causes people to buy or not to buy.

          You can boost your products perceived value by:

          1. Add testimonials (social proof)
          2. Explain behind the scenes story
          3. Use jaw-dropping benefits
          4. Offer a guarantee
          5. Offer a free trial
          6. Add bonuses


          #6 The Secret to Write in the BEST Mental State

          A good mental state = thinking about your reader at all times

          There is one little weird mind trick that Kelvin uses:

          Imagine you only have a few months to live. A loved one has asked you to tell them everything you know on the topic you are writing about.

          MORBID!! I know!!

          But apparently it works for him and you can quickly see how this would make you really think about the content your putting out there!


          #7 Show off Your Personality

          Have you ever found it hard to write with personality?

          Well here is an example of an ice cream review that KD found… word for word:


          This place is BAWLIN yo! Chicken nuggetz be crispy like you never SEEN.

          I tasted one and I was like, “WHAAAT! Are you serious Wendy?”

          Mean girls working on the friers, tho. This one chick wouldn’t even let me holla. I was like, “please, you ugly anyway.”


          Next time you’re not sure what writing with personality is… read this review then try to write!

          Check out Tip #4 in this post to see more about how to do this!


          #8 Email Marketing is King for Sales

          Kelvin describes social media as being on the kid’s table… everyone is SHOUTING but nobody is listening.

          Email is where business happens.


          66% of consumers have made a purchase online as a direct result of an email marketing message


          There is no point in just trying to get as many email addresses on your list as humanly possible though. Just like so many things in life it is about quality over quantity.

          Having high standards will increase your quality subscribers (i.e. the action takers who want your product and have money to pay for it)


          High standards will attract the kings, low standards will attract the jokers


          Here are 3 things you must have on a squeeze page (a website that asks for an email address) to raise standards :

          • Tact (copywriting skills- sell something in writing)
          • Poise (prove authority- read #5 to see how)
          • A reason (Ronseal- does what it says on the tin- Youtube this advert if you are not from the UK!)


          #9 Multitasking = Screw up Several Things at Once

          One thing I will always remember from this book is this:


          Being stoned has been scientifically proven to be more productive than multitasking


          In an experiment, the group that was stoned was more productive than the group that was interrupted by phone calls and emails.

          The lesson?

          Do the one most important thing- nothing else!

          You may have heard this before about multitasking and when you do one task at a time you will notice your productivity go through the roof (plus make waaaay less mistakes)

          Find the key tasks for what you do… do these more


          #10 Go Fast or Go Home

          This is something I seem to be hearing more and more from successful people… see my Millionaire Fastlane review here

          The tortoise and the hare story is a myth!!

          To be successful and stand out we need to be FAST and steady. It’s so important to find ways to become more productive and do this CONSISTENTLY… see tip #12 for more on “BEAST mode”

          You’re average because you go slow, you’re not slow because you’re average.


          #11 How to Avoid Failure

          There are two ways:

          1. Read books
          2. Get a mentor

          Kelvin makes a valid point that failure is being put on a pedestal by people looking for success. WHY?

          Why make mistakes when someone else has almost definitely made them before! Learn from OTHER people’s mistakes and take the shortcut to success.


          #12 Be Persistent, Be Persistent, Be Persistent, Be Persistent, Be Persistent, Be Persistent

          Kelvin leaves an important message throughout the book:

          • Don’t stop
          • Take action every day.

          Your actions compound over time very quickly (just think what you can achieve in the next 365 days!)

          They compound even more when you enter your “BEAST mode”.

          You wanna know what BEAST mode is? Here are some ways KD describes it:

          • You go from sputtering along to hell-bent-for-leather!
          • Your concentration becomes like an IRON fortress that NOONE can penetrate.
          • You have boundless creative energy to solve problems and create solutions.
          • Setbacks amuse you!

          You get the point I’m sure!

          Obviously this is hard to keep up all the time – do this for only a few hours a day and you’ll smash it!


          Bonuses- There are 2!!!!!

          Now, it’s great to read books and stuff but unless you take action there’s no point.

          You may have noticed that I have tried to do stuff KD recommends throughout this post… Remember #5- it’s important to give a bonus to boost perceived value… well here are 2 bonuses!


          Possibly the most important takeaway from the whole book:

          1. You must have something GOOD to sell. 

          You could be the worst salesman in the world… but if you can put an amazing product in front of a group of people that are prepared to pay for it… you will sell!


          2. The recommended books from this book:

          Hypnotic Writing- Joe Vitale
          How to write a good advertisement – Victor O. Schwab
          The Success system that never fails- W. Clement Stone
          Tested Advertising Methods- John Caples
          How to Make Maximum Money With Minimum Customers- Craig Garber
          Winning through intimidation- Robert Ringer


          81 Days: The “MakeTimeOnline” Review Final Word

          This book is for anybody that does internet marketing or wants to sell anything (and if you NEVER want to sell anything, you probably shouldn’t be on this website!)

          It is jam-packed with jaw-dropping tips.

          These tips above are some of my favourites but remember there are 81 of them and I have only given you 12!!

          If you’re wondering what else the book can offer you after this EPIC review then here’s a little taster:

          • Why you should advertise on the DARK side
          • The BEST ways to increase traffic
          • How to build a GREAT email list
          • The number ONE productivity booster tip
          • What you can learn from Rafa Nadal and Roger Federer
          • Why the GOLDFISH is the entrepreneur of the animal kingdom

          Keep changing for the better,




          p.s. If you have any questions and I mean ANY questions about this book, please leave them below.

          p.p.s. If you have read the book before or used any internet marketing techniques before I’d love to hear from you too.

          p.p.p.s. If you are interested in making money online to free up your time, have a look at my #1 recommended program here, which I am currently using.

          Dave Ramsey’s Complete Guide to Money Review – Is it Complete?

          Is this a complete guide? No is the short answer. The long answer is below.

          In this review of Dave Ramsey’s book “Complete Guide to Money”, I am going to explain a bit about what the book is about. I will try my hardest not to completely destroy what Dave Ramsey has talked about as there definitely are a lot of good takeaways in the book.


          Complete Guide to Money – The Overview and Rankings

          • Name: Dave Ramsey’s Complete Guide to Money
          • Author: Dave Ramsey – 1 out of 100
          • Originality: 0 out of 100
          • Practical methods: 30 out of 100
          • Enjoyability: 0 out of 100
          • Price: Kindle $9.30/ Hardcover $12.25
          • Maketimeonline.com Rating: 7 out of 100


          Pros and Cons


          • Helps to create a financial plan for people
          • Great budgeting advice- helps motivation to save money
          • Some simple to follow steps to get out of debt- the snowball effect!
          • The book has good negotiation tips


          • Doesn’t practice what he preaches as this is not how Dave Ramsey has become “rich” (although he may have done this in the past to get out of debt)
          • Too narrow in investment options
          • Doesn’t encourage people to develop their own financial intelligence (or IQ)
          • Uninspiring- The best case scenario you can hope for if you follow his advice is that you won’t have any debt and can be “better than average” when you retire… remember the “average American” is broke (his words not mine)
          • He doesn’t understand what diversification really is
          • He has poor financial IQ and people will listen to him- this is scary!
          • He uses his religion to sell to people- He sells his courses at churches!!
          • Unoriginal and no new financial advice


          Let’s start with the Good

          OK, Dave Ramsey sounds like a good person. I really would like to think he is trying to help other people and this is what motivates him to do what he does.

          Financial Budgeting Advice

          He provides some good solid advice about how to treat money. He explains some great baby steps to getting your life on track:

          1. put $1,000 aside for an emergency fund
          2. Pay off all debt using the debt snowball (pay off the smallest amount of debt first then the next smallest, instead of the debt with the highest interest- I liked this one as you will save money each time you pay off the debt and then you have more to pay off the next piece of debt, creating a snowball!)
          3. Put 3-6 months of expenses into savings as a full emergency fund

          One of his best tips is to set a budget BEFORE each month so you already have an idea of what you want to spend money on. If you like eating out or going to the cinema, put this in your budget! You don’t have to stop enjoying the things you like doing but just allow for these things and put it in writing so you know what you are spending your money on.


          He talks about inflation in the book, which is crucial that people understand in today’s financial system. He explains how this is relevant for your investments. He mentions inflation is roughly 4% on average but with the fees you pay to mutual funds (the investment vehicle he recommends) you need to be hitting 6% interest to break even. However, inflation over the last few years has actually been more like 10% (read “how our wealth is being stolen” for more info)

          Credit/ Debt

          He explains how easy it is to get credit in this day and age and how bad it can be to buy “anything” (this is debatable in my eyes) with credit. His class were offered $7.9 million in credit in 13 weeks!! This is what holds most people back from getting anywhere as bad debt destroys wealth over time.


          He has a chapter on how to find big bargains and talks about some negotiating tips (if you want a negotiation book, I’d highly recommend Chris Voss’- Never Split the Difference) Some of the tips he recommends, which are some great tips in any negotiation situation are:

          1. Always speak truthfully
          2. Use cash. You can take in the maximum amount you want to spend (don’t carry a card and don’t take any more!) Plus people psychologically see the cash and get excited so are more likely to take a lower offer.
          3. Be prepared to walk away. In today’s world, you can almost always buy or sell whatever it is somewhere else.
          4. Don’t talk too much. The more the other person talks the more likely they are to negotiate themselves down in price.
          5. Say “That’s not good enough!”– I haven’t tried this one but Chris Voss recommends “How could you help me?” I have found this works quite well as it gets the other person to think on your behalf so you don’t have to find the solution!
          6. Use “If I”- For example, “if I buy it for that much you’re going to have to throw in that sofa”. If they say they can’t then you say something like “well if you can give me the sofa you’re going to have to give me something else or come down in price”. You’ve added something else into the negotiation, which can help reduce the price!

          Get Rich Quick Schemes

          The only people that get rich from “get rich quick schemes” are the people selling them.

          My definition of “rich” is having the money to be able to create freedom. Freedom to do what you choose each day. Freedom to buy the things you would like. Freedom to live the lifestyle you would like to.

          Now I know Dave Ramsey is not selling a get rich quick scheme here, but he is still the only person getting “rich” from what he is selling! This links nicely onto the next heading…


          Now some of the Bad

          Best case you will be comfortable

          The best case scenario from following his advice is that you will just have better control of your money and work until you’re 65, then have a “comfortable” retirement (this is relying on the mutual funds that you invest in to consistently provide a high return, the financial system never changing, there is no financial crash towards the end of your working career and a whole lot of good luck that is not in your control!)

          If this something that you are happy with then that is wonderful! I hope you love your job and enjoy your holidays in Benidorm. However, if you want to be able to not have to work, or to travel the world, or make the world sustainable, or get humans onto Mars then you WILL NOT be able to do this by following Mr Ramsey’s advice.

          Talking about how to get out of bad situations- Wasting Effort

          The book has a tendency to talk too much about what to do in bad situations. For example, he gives a detailed 5 step plan of what to do if your identity has been compromised.

          This has happened to us before and, believe me, if I had read this book it would have made no difference. We called the police who put us through to the fraud investigations team. We spoke to each company and they sorted it out for us.

          Was this frustrating? Yes. Was it time-consuming? Yes. But in the end, we realised it wasn’t worth our time worrying about it. We could make a much bigger difference in our lives by focusing on how we were going to do to expand our means (at the time we were purchasing an investment property).

          He doesn’t understand diversification

          He talks a lot about being diversified with your investments. However, he doesn’t recommend any other investment other than paper assets (apart from property/ real estate when you can pay in cash!)

          Therefore, he does not understand what it means to be diversified!

          There are 4 main asset classes that we can invest in:

          1. Business
          2. Property/ Real Estate
          3. Commodities (Gold, Silver, Oil, Wheat, Water etc.)
          4. Paper Assets

          He mentions 15 different investments throughout the book. 13 of them are paper assets i.e. stocks, bonds, mutual funds, retirement plans etc. He recommends mutual funds, which is actually financial suicide due to the high fees they charge (he even mentions the fees!)

          I will literally save you the time of having to read Andrew Hallam’s book “The Millionaire Teacher” or Tony Robbin’s book “Unshakeable” or Ray Dalio’s book “Principles”.  If you are wanting a safe way to invest in the long term, do not use mutual funds. Just find a good index fund with low fees and put your money in there (Vanguard is great, you can use nutmeg.com if you are in the UK).

          Index funds beat all mutual funds over the long term as their fees are MUCH lower and they do pretty much the same thing (they are actually better because they use a larger market and rebalance your portfolio!) In case you haven’t heard of the guys above I would take their advice over Dave Ramsey’s any day (Sorry, I’m going off on a tangent here!)

          How is Mr Ramsey actually rich?

          Dave Ramsey has made his money by selling courses, books and financial advice. He is a business owner.

          However, there are actually only 4 pages in the whole book where he mentions starting a side business! 

          And even in these few pages, he manages to pay some backhanded compliments to some people that did this and tried to advertise what they were doing through him…

          This just so happens to lead onto what will be my favourite part of this post…


          OK now for my real opinion 🙂

          He looks down on these people who have started their own side business. He says (and I quote) “Our national ads are way too expensive for a company grossing $100,000 per year and we didn’t want to sink them” I literally spat out my drink when I read this!… How very charitable of you Mr Ramsey, it’s great to see you helping people improve their financial situations!

          But don’t worry guys at least Dave is a stand-up guy. He sold them some “Internet-only ads at a bargain rate”!! Oh… My… You know what! (I don’t want to use blasphemy against a religious man)


          This leads me onto how he sells his courses… His courses are advertised and promoted at Church!! He is using religion to help him sell courses for his benefit. Personally, I find that pretty disgusting. I know the Dave Ramsey fans out there will be saying “but he has helped me so much” and “now I have control of my finances”. The point I’m making is that there are loads of these personal finance guys out there and from what I can tell so far Dave Ramsey is not even a good one to listen to!

          He may help you get ahead of the “Average American”. He says “normal” in America is broke, his words, not mine! Do you want to be just ahead of broke or do you want to actually live the life you want?

          I find what he advocates is very un-aspirational and to be honest for most people doing this they will fail. His advice relies on years and years of willpower and self-discipline and faith that the people you hand your hard earned money to will give you the amazing returns they promise (and I guarantee they won’t be able to in the long run or you’ll pay the majority of the profits through fees!) You will at best just about keep your head above water and live a comfortable life!


          He talks about ways to guard yourself against marketing. He mentions how Sony use smells like vanilla and oranges to make you feel relaxed when walking in the store. In the swim section of big stores, they make it smell like sun cream so your mind can relate to holidays and puts you in a good mood.

          He then goes on to say that in his own office, they bake cookies and put them in reception to make clients feel at ease. But in his case, this is just to give them a good experience… Obviously, it has nothing to do with trying to sell his courses!! Talk about hypocritical!!! He does the same thing that he’s telling you to put your guard up about. 


          His financial advice is sound up until baby step #3. After that, it may be easy to do but none of his advice will make anyone “rich”. It may get you out of debt and to allow you to live “comfortably” but 100% of the time it will not make you “rich”. You will never be able to quit your job when you’re young or live your dream lifestyle from following the advice in this book.

          • 4. Invest 15% of your household income into retirement plans
          • 5. Begin college funds for your kids
          • 6. Pay off your home early
          • 7. Build wealth and give

          All of this advice involves so much reliance on your fund manager and does not improve your financial IQ at all. By the time you actually reach baby step number 7, you would be so old, there would be hardly any time left to build wealth or give anything!

          Dave Ramsey has one piece of advice that he reiterates throughout the whole book: Avoid debt at all costs!

          Now for the “average person” (a broke American remember), this is a great piece of advice. I completely agree that we should pay cash for our day to day expenses, we should have an emergency fund in a bank account and we should not waste money on things that are not needed.

          However, Dave Ramsey doesn’t seem to understand good debt at all. He says “do not even think about investing in property until you can pay cash!”


          I can understand why some people may think this way and it’s clear that Dave Ramsey has been burnt from property investments in his past. However, there are so many ways to invest in property, let alone other asset classes. You can buy to rent out, you can refurbish and sell, you can refurb then remortgage and rent. You can invest in property without buying them such as rent to rent!

          The one thing that I can guarantee is that it is riskier to just wait and not learn anything about investing until you can buy a property for cash!


          The average UK house price in 2018 according to nationwide.co.uk is £216,103

          The average salary for men according to Monster.com is £30,530 (it’s lower for women).


          So let’s say, by some miracle, the average man manages to save £10,000 a year (a third of his salary each year despite tax, bills, accommodation and general living expenses). That means this average person will have to wait over 21 years to buy one investment property.

          However, since 1952, the longest time it has taken for property prices to double has been 16 years. So it will more likely be over 40 years until this “average person” can even think about investing in property if they manage to save a third of their salary for 40 years!!

          I’m no genius, but it is clear to see this person will NEVER invest in property and never even learn about ways of investing in property because they are waiting to save some made up amount of money before they start.


          Commodities are general things that humans need such as water, food, oil, metals etc. Dave doesn’t talk about any commodities to invest in other than gold. And all he says is don’t even consider investing in it!!

          He claims that gold has only increased by 2.38% on average over the past 177 years.

          However, he fails to mention its current value in comparison to other assets. I don’t want to go into too much detail here as this will stray from the book review (again!) An example of working out value is by comparing how many ounces of gold it costs to purchase one share of the Dow Jones Industrial Average (DJI- 30 big American Stocks).


          Ounces of Gold to buy a share of the DJI- Data collected from Macrotrends.com


          It currently would cost over 20 ounces of gold to purchase one share of the DJI. As seen in the graph above, there have only been 18 years (since 1920) that the price of gold was as undervalued as it currently is compared to the US stock market.  Previously it has cost as low as 3 ounces of gold to buy one share.

          This doesn’t mean everyone should now sell their stocks and buy gold. It just shows that with a good financial education you can start to make more informed decisions about what a good investment is and what isn’t!

          This is just an example of ways to increase our own financial IQ. You can compare the value of gold to property prices, other precious metals, oil or pretty much anything. When you do this you will start to be able to understand whether something is overvalued or undervalued. The price of something should not be a factor when investing!

          This is why it really baffled me and made me question whether this guy has any financial IQ when he said, “why would you want to buy something when it is at a 177 year high?”

          EVERYTHING IS AT A 177 YEAR HIGH… because of inflation!! He even talked about inflation earlier in the book, he just doesn’t connect the two things!!


          What can we do then?

          Keep Learning

          If there was one thing that you can take away from this review, it is to keep learning. Increase your financial IQ should be the main message from any financial book. Saving and sticking money into a mutual fund is a sure way to ensure you always stay average financially!

          I’ve spoken highly about books like “The Millionaire Fastlane” and “Rich Dad Poor Dad“. I personally think finding your own “why” or defining your own vision, values and purpose is far more important than trying to pinch pennies.

          Personally, from my own experience, it all becomes the same thing. When you end up working towards your goals and try to increase your income (or expand your means) you end up living below your means (spending less on “stuff”) because you spend your time more wisely.

          Nearly all of our income now goes into investments, adventures abroad and experiences that make us happy with friends and family. We have stopped spending as much money on unnecessary purchases as we just don’t spend as much time shopping (I’ve always thought shopping is what bored people do!)

          Pay Yourself First

          We pay ourselves first and then spend the money left over. When I first heard Robert Kiyosaki say pay yourself first I completely misunderstood him. I thought that meant to go and buy the TV you want or the new pair of trainers that David Beckham wears.

          What he really meant is put money away to buy assets first, and then use what’s left over for food, fun and bills. If you don’t have enough money for the month then you’re going to have to find a way to make more… or your bills won’t get paid and someone else will chase you up to make more money!

          Expand your means

          There are so many ways to make a little bit of extra cash if you need. Taking surveys online or becoming a virtual assistant (look into Fiverr or Upwork) are a couple (out of millions) of ways to make instant cash online. If you’re a teacher can you tutor? If you enjoy booking holidays, people will pay you to do this. I am one of these people who will pay you! Think about what you enjoy doing and start getting paid for this if you need more money towards the end of the month!

          Long term it’s vital to find ways of increasing passive income. My definition of passive income is spending time today that pays you over and over again in the future. It doesn’t mean you won’t have to do anything again and money will keep rolling in. It just means money will keep rolling in even if you can’t work for one week, or you need to go on a holiday to Barbados for a month!!

          This is exactly why starting an online business is a great way to expand your means. You will have to work on it to receive payments through affiliate links, adverts or selling your own products. However, once you do the work and set it up in a way to increase your traffic to the website for free (SEO) you can start to receive money over and over again for the time that you put in today.


          The Complete Guide to Money: The “MakeTimeOnline” Review Final Word

          This book has some great tips in if you are in a lot of bad debt and need some strategies to get your finances in order. You should set a monthly budget each month to get an idea of where your money is going. These tips are pretty simple, but very effective, ways of making your money work harder.


          However, if you are looking for a COMPLETE guide to money. This book is not that.

          The advice about investing actively discourages people to learn more about investments. The book encourages you to put your faith in mutual fund managers and pension schemes, which have already been proven to not know what they are doing when markets are going down (many mutual funds lost more than 40% in 2008!)

          Truly sophisticated investors make money when markets are going up, down or sideways. 

          The truly “rich” make their money through business. Many people still have a belief that all business people are greedy and bad people. Or they believe they have some special, unique gift that we “mortals” don’t possess.

          The truth is anyone can start a business… you can start one online in the next 5 minutes by clicking this link! Do you really want to have the freedom to choose what you want to do with your time and spend it with who you want to?

          If you do, the only real focus should be figuring out “what is your why”. Keep spending time working out what your purpose, vision and values are. You will find the passion to do whatever you want from here.

          The key takeaway from this review (not the book) is to keep increasing your own financial IQ!

          Keep changing for the better,




          If you have any questions and I mean ANY questions about the Complete Guide to Money, please leave them below. If you have read the book before or used any of Dave Ramsey’s courses before I’d love to hear from you too!!

          If you are interested in making money online to free up your time, have a look at my #1 recommended program here, which I am currently using.

          Review of Rich Dad Poor Dad- Where it All Began!

          This is without a doubt THE “Godfather” of finance self-development books. In this review of Rich Dad Poor Dad book, I intend on showing you why this book was so valuable to me and also some of the lessons taught in the book.



          The book is basically a personal finance book told through a parable. It’s all about Robert Kiyosaki’s “Rich Dad”, who was actually his friends Dad (a wealthy businessman), and his own “Poor Dad”, who was a well-educated teacher that never got to grips with money.

          I can’t wait to get into it so let’s not waste any more time here…


          Rich Dad Poor Dad- The Overview and Rankings

          • Name: Rich Dad Poor Dad, What the Rich Teach Their Kids About Money- That the Poor and Middle Class Don’t
          • Author: Robert Kiyosaki- 100 out of 100
          • Originality: 100 out of 100
          • Practical methods: 89 out of 100
          • Enjoyability: 100 out of 100
          • Price: Kindle $7.48/ Paperback $6.98/ Hardcover $19.98
          • Maketimeonline.com Rating: 98 out of 100

          Pros and Cons


          • Provides so much financial intelligence relevant to the information age
          • It can reshape the “normal” way you think about money (well it did for me!)
          • Explains complex financial terms in simple easy to understand language e.g. financial statements, assets, liabilities etc.
          • Provides so much motivation to want to learn more
          • Makes you WANT to take action
          • Shows how you can get started immediately for free- Words are free, so change your words!
          • Explains different asset classes- Business, Real Estate, Paper Assets and Commodities


          • The cheesy title can put people off.
          • It can come across as “salesy” or “preachy” and some people just never want to be sold to. Even if what he says makes perfect sense!


          Who is RDPD for?

          Anybody that is not happy in their current job. Anyone that wants to be able to live a lifestyle that they want. Anybody that doesn’t want to stress about not having money for the rest of their life. Anyone that is looking to invest their hard earned money into something. It pretty much covers ANYONE!

          The book is easy to read, with so many stories in it. If you hate thinking about money and worry that you don’t understand personal finance stuff, this book makes it so simple! My only regret is that I didn’t read this book sooner.

          If you type in “Rich Dad Poor Dad Book Review” into Google you will probably find a LOT of negative reviews. Why? Because people tend to look for negative reviews as they feel they can find out what they want to hear about a book.

          Just think about any product you’re interested in buying. If there are 200 positives and only 3 negatives, do you read the positive reviews? Of course not! You’d search for the negative ones and decide if what they are saying is legitimately a reason to put you off or if they are just fussy or had a one-off bad experience.

          Well as always I’m going to be completely honest with you, from my own point of view. You can make up your own mind about what you think.


          The 6 Lessons

          Lesson 1: The Rich Don’t Work For Money

          Personally, I think this title should be: “The rich have money work for them”, which is actually the subtitle but this is the main lesson.

          Trade your time for money… This is hands down the WORST relationship that people have in the information age! It is still ingrained into us that unless we put our own time into something we cannot get paid. This is true to a certain extent but the thing that has changed is that we can now put the time in once and get paid over and over again for this. Read more about this here.

          A lesson that Robert’s “Rich Dad” taught him was not to work for money. He did this by getting Robert to work for FREE! Imagine if from an early age we did things to learn or for the internal joy of doing something.

          I’ve actually learnt a lot about this concept in recent years as a teacher through “Positive discipline”. A large part of t

          his is not rewarding students with points or medals for making good choices, whilst not “punishing” poor choices by removing something. The idea is to make the students want to make good choices for themselves, whether rewards or “authority” are present. As soon as a reward is given for an action, it becomes very hard for students to do the same thing again without a reward.

          This is the same with us and money. Do you know anyone that says, “I’m not interested in money”? I bet it would be almost impossible to get these same people to carry on with their job if they didn’t receive a paycheck at the end of the month. This really questions what value and pleasure most people are getting out of their job! People have their job to get that paycheck at the end of the month.

          Money can work much harder than we can 24/7… 365!


          Lesson 2: Why Teach Financial Literacy?

          This is hands down the most original, controversial game changer part of the book.

          The 2 biggest terms I have learnt about money and when you wrap your head around these, your whole life can change:

          An Asset = something that puts money in your pocket every month.

          A liability = something that takes money out of your pocket every month.

          With these definitions, this means that the big family home that you’ve worked so hard to get your whole life is technically… a liability!!!

          Can you imagine how people felt when they heard this? There was uproar and people labelled the book as a joke… Then 2008 happened and people brutally found out what Mr Kiyosaki was talking about!



          The above financial statements demonstrate how the poor, the middle class and the rich spend their money, respectively. I personally believe that when you understand these statements, everything you work towards buying will change (it certainly has for me).

          The book says that you become rich by accumulating assets. For example, my rental property is an asset and this website could potentially be an asset for years to come. If people read this post in years to come and purchase something through this website it is a few hours that I’ve spent after a day at work that has unlimited potential in how much money it could generate for me.

          I am putting the time in now to generate income over and over again in the future.

          I read this book in 2014 but it wasn’t until the summer of 2015 until really understood this part of the book. Our house that we used to live in, in Buckinghamshire used to cost us pretty much all of the money that we earnt as teachers. All of a sudden we lived over 3,000 miles away and it was putting money into our pockets every month…

          Our liability had become an asset!


          Lesson 3: Mind Your Own Business

          What’s your side hustle?

          If you are in a job and you’re reading this, I would like you to think about this question a lot over the next week. If you don’t know, start to really think about your lives purpose, vision and values.

          We need to spend more time sorting out our own finances rather than spending them on shopping. One of the main reasons why I do not advocate spending your time being frugal or finding great discounts etc. is that when you focus on increasing your income, you find you don’t have as much time to spend spending your money! The “live below your means” financial gurus are not telling you what to do, they are just telling you what NOT to do (and we already know this deep down!!!)

          Increasing your income is a double-edged sword in a good way. Just like “positive discipline” you are focusing your mind on what you want to achieve rather than what you don’t want to achieve! If I told you to be frugal and to only spend 20% of your paycheck, you would constantly be fretting about money. If I told you to spend the next month learning as much as possible about affiliate marketing and writing a blog, you would spend your time learning a valuable skill, writing about things that interest you and you wouldn’t have as much time to spend your money on “stuff”!

          We all know we don’t need half the stuff we have, we all know that we “shouldn’t” spend more money on clothes! But it’s hard to stop a habit until you can replace it with another habit (read more about habits here).

          My question to you is why can’t this other habit be rewarding, enjoyable and be a side hustle?


          Lesson 4: The History of Taxes and the Power of Corporations

          BORING!! I hear you scream!

          Yes, taxes may be the most boring thing on earth. But that is why accountants exist! Anyone with a great accountant will tell you they are worth their weight in gold!

          I imagine some of the examples in this section are exaggerated slightly or are not overly simple, but I didn’t get too worked up over the particulars.

          The main point is that if you are working as an employee you get ZERO help from taxes. If you use corporations, then you can have “business-related expenses” offset against your tax bill (and the great thing is you can carry on driving your car or using your phone all year!)

          Since reading this part of the book Sarah and I have set up a limited company in the UK for our property business. We also have moved to Qatar, a tax-free country, but that was a side benefit of it to us (obviously!!)

          We have quarterly (every 3 months) finance checks and use a Rich Dad template to assess our spending and income. I have just dug out one from April 2014 compared to September 2018, I am actually amazed at the difference (plus the passive income will increase over this next year).

          The first statement is our April 2014 Financial Statement Analysis and the next analysis is our September 2018 Financial Statement.

          If you want this financial template, (which does the analysis for you, all you do is put in your income/ expenses) it is included in the welcome email if you join the maketimeonline newsletter– check the sidebar or bottom of the page to receive this.

          Being accountable is a great way to make changes. The only way you can be accountable financially is if you track your finances, so make time to do this TODAY (if you wait until tomorrow, life will happen and it will be tomorrow again and again!)


          Lesson 5: The Rich Invent Money

          What’s that… Money doesn’t grow on trees? Well…

          This is a part of the book that Robert uses an example of how to create money from your mind. His example is a property deal that put money (tax-free as it was from a loan) into his pocket and generated a monthly income. I genuinely was bewildered by this concept and thought he must be making this up. However, we are potentially 2 months away from doing a very similar thing with a property that we have bought (I will keep you posted!)

          However, the best way in today’s world to do this is through the internet! It has never been easier to create your own content or products (through information, books and online courses) and this is literally using your own brain to produce an income. You don’t have to spend ANYTHING on this (apart from time) and it can generate an income for years to come.

          So money may not grow on trees but it certainly can grow from your mind!


          Lesson 6: Work to Learn – Don’t Work For Money

          Again, I’ll go back to the earlier example. Imagine if everything we did was to learn or for personal fulfilment?

          Here’s my story after I left University:

          I had NO idea what I wanted to do with my life! So I started applying for jobs just like everyone else. Jobs in London as a recruitment consultant, a salesman and anything that said something like “no experience required”.

          I started getting some offers for certain recruitment positions but for some reason, I always talked myself out of it. I would think to myself that these people are too “pushy” or I didn’t want to commute to London every day or the pay wasn’t good enough (I don’t know what I was expecting!!!)

          I ended up applying for one position that was a sales position “working in the field”. It turned out to be door to door sales! I turned up at 2 pm and was paired up with another guy and spent a day “in the field”.

          When I got back to their office (around 9 pm – it was dark and I was exhausted) I had a chat with the guy who “interviewed” me. He explained how the post was 100% commission but you can move up the company and end up having a team beneath you (you’d earn commission on all of their sales). I left their office to find my car had been clamped and I had to call some number and pay this guy £250 cash! All in all, this was a very bad day!!!

          However, for some reason… I nearly accepted it! I couldn’t explain why to any of my family and I thought I would be judged if I did. I hadn’t read this book yet, but it was because I wanted to “work to learn”. I just couldn’t explain this to anyone else.

          That evening my Dad said there was a position in the pharmacy at his Doctor’s surgery, so I went in the next day and started working straight away. It’s safe to say that I learnt diddly squat in this job, so I moved into teaching 3 months later!


          Why are the Title’s and Sub-Titles so Controversial?

          Controversy Sells!!

          Robert Kiyosaki jokes continually about being a “best selling author”, not a “best writing author”.

          The title’s need to be controversial to get people paying attention to them. If he wrote a book called “financial statements- assets and liabilities explained” do you think people would even pick it up?

          The theme throughout the book is how entrepreneurs get so many advantages compared to employees. Every entrepreneur needs to be able to sell. In fact, everybody needs to be able to sell, even if it’s just you selling your idea over what to watch on TV.

          When you actually read the words in the book it’s hard to argue with. Some of the titles and language he uses to describe employees can be seen as offensive and demeaning. However, he actually still talks about some of the standard financial advice you hear from everyone.



          His “rich dad” is actually quite careful with his money. Although he has a business and earns good money, he drives a “normal” car and doesn’t live in a mansion. Too many people equate rich with material things, but these same messages come up time and again. You don’t go and buy a Ferrari on finance!! When the cost of a Ferrari is pocket money, then you can pay cash if you must!

          People become very defensive when they are challenged for living the way that they currently are. This can make them find the negatives in everything and miss all of the crucial potentially life-changing messages in the book.


          What Have I Done Since Reading This Book?

          I read this in 2014 (about 4 years ago). The number one thing I’ve done… I’ve learnt more!

          This book sparked some interest that I didn’t even know I had… reading self-development books and improving myself continually. I have read well over 100 self-development books since this. Some have been great, others utter garbage, but I learn something each time.

          Sarah and I have been on property courses and met some amazing people who are “crushing it” in life. Our business partners deal with millions of pounds worth of property, I have spoken with people earning 6 figures a month online and I continue to talk to new and inspiring people.

          We started a UK property company, which focusses on buying HMO’s (shared house) in England. I certainly never thought I’d technically own 2 companies before turning 30!

          We started a blog in 2017 and I have since started this online business. I want to help as many people as possible choose to do what they want in life and find ways to increase their cashflow, rather than having to work paycheck to paycheck. It’s all about creating TIME!

          We now set goals annually, quarterly and weekly. These are broken down into smaller daily goals that help us to achieve our bigger and longer-term goals in the future.

          We have changed our morning routine and daily habits. I got up early this morning and am currently writing this before going to work. Sarah is doing some yoga… If someone had told us we’d be doing this before work (we leave at 6 am!) a few years ago I would have told them they are crazy. The reason we do this is due to a book called “The Miracle Morning“, which was actually a recommendation from Robert Kiyosaki!

          At no point does Robert directly tell you what to do. It is open to interpretation and depends on what your own goals are in life into which route you take.

          The main message throughout the book is to keep learning- how can this be a bad thing?



          Rich Dad Poor Dad: The “MakeTimeOnline” Review Final Word

          This book has literally changed my life. It was the first real self-development book I read so it’s hard to say whether I am biased towards it because of that, or if the book is really that good!!

          On that same note, if I had read some other self-development book that was painful for me to read (and I’ve read a lot of these!) then there’s a good chance I would have not bothered with them anymore!

          The main lesson is understanding assets and liabilities. The key to becoming “rich” is to acquire assets and limit your liabilities.

          For me becoming rich means creating a life where I have the time to choose what I’d like to do. I have some monstrous goals that I’d like to achieve in life, and I know I’m not going to be able to do this by relying on a paycheck each month.

          This book was my first jigsaw piece to figuring out how to make money online to free up my time. I continue to find new pieces all the time but I wouldn’t have even started looking if it wasn’t for Rich Dad Poor Dad.

          Keep changing for the better,




          If you have any questions and I mean ANY questions about RDPD, please leave them below. If you have read the book before or have any of your own opinions I’d love to hear from you too.


          If you are interested in making money online to free up your time, have a look at my #1 recommended program here, which I am currently using.