My MIL has been doing it for almost 20 years. It’s her side business. The huge congregation at her church keeps her going, but you do have to bust that ass to make it happen. Just don’t rely on something like that for your income because it’s stocks, bonds, investment services, mortgages etc and your market is kinda limited to a particular demographic such as homeowners with retirement plans. We did use her to start college funds

It’s a scam unless you’re at the top you’ll work for nothing.

I know my parents were involved with it when I was a kid but I honestly have no idea what it is 🤣