Modern Wealthy - a trade name of Launch You, LLC
Not a master-resell-rights program and not a pyramid - there is no override, downline or second-tier commission anywhere in the plan. But the right to earn a commission is rented at $176 a month, and the model the company itself teaches loses roughly $2,600 to $3,600 in year one for a typical beginner.
The headline is $37; the realistic year-one cost of running it as an income attempt is about $7,180 - and in sixteen years across four brands this operator has never published an income disclosure of any kind.
Can you actually make money with Modern Wealthy?
No, and the reason is the subscription rather than the structure. The company's own help desk states that without an active LaunchPad subscription you will not be able to earn commissions - that is $147 a month - and a further $29 a month buys what the same article calls the top level commissions. Call it $176 a month, or $1,645 a year on the annual plan, payable before a single dollar comes back the other way. The right to be paid here is rented rather than earned.
The published arithmetic of the taught model runs the same direction. Subscriptions, entry and tools come to $1,982, the curriculum's own $10-a-day advertising minimum adds $3,650, and the realistic year-one cost of running this as an income attempt is about $7,180 against an advertised $37. That is a gap of 194 times. The ladder also inverts: buying further up makes break-even harder rather than easier, because the added cost is fixed and the added conversion is speculative.
Sixteen years across four brands have produced no earnings data whatsoever. No median, no mean, no count of affiliates at zero, alongside an explicit written statement that the company does not track or calculate typical results achieved by its customers. Its own privacy statement confirms it tracks referrals and commissions, and its leadership program runs monthly reports on every affiliate's active-member count. The data exists internally. It is simply not published anywhere a buyer can reach.
Now the part that is genuinely good, and it is more than a footnote. There is no override, no downline, no second-tier commission, no matrix, no binary, no pass-up and no team volume anywhere in this plan - searched for specifically and not found. Every commission tracks a completed sale of a real product to a real buyer. The thirty-day guarantee is honored in practice, cancellation is self-service with no clawback clause, and sixteen years have produced no regulatory action in any jurisdiction searched.
one-time, for the introductory course - but $1,645 a year on the annual plan before a single dollar of commission can be earned, and about $7,180 in year one on the model the program teaches
- An income disclosure. Sixteen years and four brands have produced no median, no percentile band and no count of affiliates at zero, against a stated policy of not calculating typical results - so nothing said about earning here can be tested.
- A published commission rate. It appears on no public page and in none of the seventy help-desk articles, and the affiliate agreement is signed inside the members' area, so nobody can compute their own economics before they have paid.
- Prices on the upper tiers. Six products are confirmed to exist by name in the company's own refund schedule and not one carries a published price, with independent reviewers putting the range at $3,995 to $17,990 behind a screened phone call.
- A guarantee that matches the sales page. Thirty days marketed as no questions asked is qualified in the terms by a 50%-completion cap and a discretionary denial for abuse of the refund policy, and both of those are questions.
That call is computed, not chosen - the rule reads three of the nine published dimension scores and is printed on the methodology page. It describes this company's plan and the figures it publishes about the people already in it. It is not a prediction about you, and nothing on this site is advice.
Legal status
LEGAL - and the file is unusually clean, which must be said before anything else. No FTC action, no state attorney-general suit, no court judgment, no consent order, no assurance of voluntary compliance, no advertising-regulator ruling and no criminal proceeding could be located against Launch You, LLC, Modern Wealthy, LaunchPad, Mentors.com, the two predecessor programs or the principal personally, anywhere, in sixteen years of continuous operation. It is not a pyramid: the Koscot recruitment-reward prong is not met, because there is no override, downline, team-volume or recruitment bonus of any kind and every commission tracks a completed sale of a real product to a real buyer. It is not a securities offering. It is not a master-resell-rights program - the license is expressly non-transferable and redistribution is prohibited. The one live and unadjudicated question is the FTC Business Opportunity Rule, 16 CFR Part 437: two of the three elements are plainly present, the general business-development education exemption at 437.1(m) plausibly covers most of the offer, and NO COURT OR REGULATOR HAS RULED ON THIS PROGRAM. What is recorded below is exposure, not a violation, and not a charge.
Confidence: Medium
Primary sources fetched directly where possible. Everything we could not verify is listed at the bottom of this page by name.
Follow the money
Start by correcting the premise this review was commissioned on, because everything downstream turns on it. Modern Wealthy is not a master-resell-rights program. There is no resale license at any tier, no private-label right and no reseller agreement: the operative Terms of 15 January 2025 grant "a limited, non-exclusive, non-transferable license to access and use our content solely for your personal business development," and separately prohibit "downloading or distributing our content without permission." Nor is the headline price $497 to $1,297. Those figures are real numbers from this company - the Terms set the second tier at "Option 1: $497 upfront + $147/month; Option 2: $1,297 annual payment" - but they belong to the upsell, not the front door. The entry product is $37. The distinction matters practically, not pedantically. A resale chain and a single-level affiliate program fail differently: in the first the buyer owns a copy and can sell it forever with no further relationship to the vendor, and the market saturates as copies multiply. Here the opposite holds. The buyer owns nothing, the license is revocable, redistribution is banned, and the right to earn is conditioned on continuing to pay a subscription - which is a worse deal on continuity risk and a better one on saturation risk.
What it actually is: a $37 introductory course - a seven-day video series, a two-hour masterclass, a 160-page book and two bonus mini-courses - operating as a front door to an online-business education ladder run by Launch You, LLC, a Delaware limited liability company. Modern Wealthy is one of that company’s five trade names, disclosed as such in its own privacy statement, which is unusually candid on the point and names the whole family in a single sentence. The ladder runs from the $37 entry to a $1,297-a-year core subscription, a $129-a-month funnel platform, a $29-a-month affiliate upgrade, and - on the account of two independent reviewers publishing an identical internal price list, corroborated by the company’s own refund policy which names every one of those products by name with its own refund window - mentorship and done-for-you tiers at $3,995, $7,995, $9,995 and $17,990. Those top six prices appear nowhere on the company’s own websites; access to them runs through a screened "Vision Call."
Now the part that is genuinely to the company’s credit, and it should be said clearly before the criticism. There is no second-tier commission, no override, no downline, no unilevel, no matrix, no pass-up and no team-volume payment anywhere in this plan. That was searched for specifically, across every published company document and every third-party review retrieved, and none was found. Every dollar of commission is paid on a completed sale of a real product to a real buyer, which means the recruitment-reward prong of the Koscot test is not met and this is not a pyramid. The content is original and first-party rather than a rebadged licensed bundle - presenter-led, proprietary frameworks, sixteen years of development, a claimed $6m spend on the AI layer. The company publishes complete, dated, cross-referenced policy documents. And the documented winners in its own case studies built unrelated businesses: a dog-treat subscription box selling into Austria, Switzerland and Germany, a family-travel content business, a men’s-health brand, a fertility brand. None of them made their money selling the program, which is precisely what the predecessor program could never show.
The defect sits in what it costs to participate and what the participant is told about it. The company’s own help desk, in an article last updated 18 November 2025, states: "Without an active LaunchPad subscription, you will not be able to… earn commissions" - $147 a month, or $1,297 a year - and that the Ambassador upgrade at a further $29 a month is required for "the top level commissions." One month earlier the same help desk published: "There are no hidden upgrade traps, surprise fees, or mandatory upsells that force you to advance to higher-cost tiers." Both are live. The charitable reading is that the second is addressed to students building their own unrelated businesses, for whom nothing beyond the subscription is mandatory, and that reading holds - but it concedes the point, because the affiliate track has a hard paywall and the sales page does not disclose it. Add the $10-a-day minimum advertising budget the curriculum itself teaches, and the realistic year-one cost of running this as an income attempt is about $7,180 against an advertised $37: a gap of 194 times. In sixteen years and four brands there has never been an income disclosure of any kind, and the Earnings Disclaimer says why in terms - "we do not track or calculate typical results achieved by our customers."
Where a $3,995 mentorship sale goes - modeled, not disclosed
The company publishes no commission schedule and no payout document; the affiliate agreement is signed inside the members’ area. This split is reconstructed from the company’s own "$1000+ commissions per sale" claim, a first-hand report of a $1,200 single-sale commission, published payment-processing rates and the delivery obligations the tier carries. Treat every row as an estimate this site built, not as a figure the company released.
| Product | Price | Pays |
|---|---|---|
| Modern Wealthy - the entry course Seven-day fast-start video series, two-hour masterclass, 160-page book, two bonus mini-courses, community access and a "Vision Call" with an advisor. Delivered as described - even the most critical reviewer in the file concedes that. It is a loss-leader by design: the company says so itself, that the low entry exists so a buyer can experience the training "without having to make a big decision upfront." |
$37 one-time |
unpublished; likely nil or nominal |
| LaunchPad - the core subscription Priced verbatim in the Terms: "Option 1: $497 upfront + $147/month; Option 2: $1,297 annual payment." Nine training modules in three phases, a 55-agent AI tooling layer, focus tools, a 7,000-member community, onboarding and weekly accountability calls. The $497 setup fee is currently advertised as waived; nothing obliges the company to keep waiving it. This subscription is also the gate: without it, no commission can be earned at all. |
$1,297/yr, or $497 upfront + $147/mo annual or monthly |
unpublished |
| Ambassador - the affiliate upgrade The basic affiliate program is free to join and applications are screened within 72 hours. But per the company’s own help desk, the subscription level "will also affect the commissions you earn," and the top rates, the pre-populated affiliate website template and Leadership Program eligibility all require this upgrade. This is the line item with no open-market analogue: no mainstream affiliate network or platform partner program charges for the right to be an affiliate. Refund window: three days. |
$29/mo (~$348/yr) monthly |
"top level commissions", rate unpublished |
| Funnel Launch - the software platform Pages, funnels, email, payments, automation, course hosting and booking in one login. The company describes its provenance candidly as built on "enterprise-grade infrastructure from our software partner" - a large white-label CRM and marketing-automation vendor named in the company’s own privacy policy and resold here under its own brand. Optional if you assemble your own stack; effectively expected if you follow the taught path. |
$129/mo ($1,548/yr) monthly |
— |
| Liftoff An eight-week guided launch challenge. The price comes from two independent reviewers publishing an identical internal list; the product’s existence is confirmed by the company’s own refund policy, which names it. Not published on any company page. |
$497 (reviewer-sourced) one-time |
unpublished |
| Elite Ambassador An enhanced affiliate package. Same sourcing caveat: the name is confirmed by the company’s refund policy, the price is not published by the company and is attributed to reviewers. |
$1,997 (reviewer-sourced) one-time |
unpublished |
| Accelerate Twelve months of hands-on mentorship with live workshops, done-for-you funnels and templates. Sold only through a screened call - "all applicants must undergo a screening," per the help desk. Refund window: three days, against thirty on the $37 product. |
$3,995 (reviewer-sourced) one-time |
the "$1000+ per sale" tier, on the modeling in this report |
| Rapid Launch Pack Platinum The top of the published-by-others ladder, alongside Brand Launch at $7,995 and Accelerate With You and Rapid Launch Gold at $9,995. Every one of these products is confirmed to exist by the company’s own refund policy, which lists them by name - and every one carries a three-day refund window, which for British and European buyers is shorter than the statutory cooling-off period on a distance sale. |
$17,990 (reviewer-sourced) one-time |
unpublished |
Who runs it, and what they ran before
Lead with what is real, because it is genuinely uncommon in this category. He is named, photographed and fronts every asset by name; his employment history is public and complete - estate agency in Berkshire from 2001, then online ventures from 2009 - he is publicly resident in Portugal, he is contactable, and across sixteen years and four consumer brands he has never disappeared, absconded or rebranded to escape anything. He appears as a defendant in no action anywhere: no regulatory proceeding, no court judgment, no enforcement matter of any kind could be located against him in any jurisdiction searched. That is a materially better starting point than the anonymous operators typical of this sector. The deduction is not about conduct, it is about pattern: every business he has run has made its money selling business-opportunity education to people who then sell business-opportunity education. Note also two claim inconsistencies on his own pages - "17+ years" against a first online venture dated December 2010 on his own profile, and the $100m figure presented in first-person voice while the Earnings Disclaimer concedes it is gross and pre-expense across multiple people.
Stage-labeling matters here more than anywhere else in this report, so read it precisely. Kubassek co-founded the two predecessor programs with Ross and left, per Ross’s own public profile, in December 2021. Before that he had worked for a company called Liberty League International. That company - not Kubassek, and not Ross - was the subject of a 2005 Arizona state order over false claims, and in 2009 was named in a federal class action alleging it operated a pyramid scheme. A state order is a regulatory finding against the company it names; a filed class action is a claim, not a finding, and its outcome could not be retrieved. Kubassek is not named as a defendant in either matter. Neither matter is against Ross, Launch You, LLC or Modern Wealthy, and neither has any bearing on the present program except as lineage. He is named nowhere on any current Launch You, Modern Wealthy or Mentors property, and the company has never publicly explained the separation. One artifact survives: the legacy checkout page still runs a member testimonial referring to "Stu and Jay" - four and a half years on.
The About page names three further people - Danielle Wilson, Justin Woolf and Marius Gabriel - without bios, and a product page carries a byline for Robbie Inman. No roles, no equity, no prior histories and no officer filings for any of the four could be retrieved. That is recorded as a retrieval failure, not as an absence: a privately held Delaware LLC has no officer-filing obligation, so there may be nothing to find. What can be said is that the business is entirely fronted by one person, that customer reviews refer to "the CEOs" plural without naming them, and that a departure by the principal would reset this dimension entirely.
The predecessor academy ran four membership tiers, described contemporaneously at $3,000, $8,000, $11,000 and $20,000, and on the account of one of its own promoting affiliates you had to buy a tier in order to be paid on that tier: "you must invest between $2,500 and $20,000 … in order to be positioned to earn the high ticket commissions." That is pay-to-play positioning, and it was the most legally exposed feature of the historical model. The honest finding is that it survives today only in attenuated form: the five-figure positioning requirement is gone, but an active paid subscription is still required to earn any commission at all, and a further $29 a month is required for top rates. Smaller, but the same shape.
Registered address
Middletown, Delaware, USA - a registered-agent suite, not an office
The company publishes no operating address at all. The only address on any of its documents - the Privacy Statement, the Terms and the Earnings Disclaimer all carry the same one - is 651 North Broad Street, Suite 201, Middletown, Delaware, a commercial registered-agent forwarding suite that appears on tens of thousands of unrelated Delaware filings. Forming a Delaware LLC through a registered agent is entirely ordinary and is not in itself a red flag; the point is narrower and worth stating plainly, which is that there is no street address anywhere at which a customer could physically find this business. The principal is resident in Portugal, the entity is American, the governing law is Delaware, and the customer base is heavily British, European, Australian and Scandinavian. No audited or filed financial statements exist and none is legally required of a private Delaware LLC. The only revenue figures available are a professional network platform estimate of $10m to $20m a year for the older brand, which is a platform-generated estimate and not a company disclosure, and the company’s own cumulative marketing claim of "over $100 million in combined sales across multiple niches" - which its own Earnings Disclaimer concedes is gross revenue across specific individuals accumulated over years, before expenses and taxes. Two live, non-identical terms-of-service documents govern properties the same entity operates: the Launch You terms dated 15 January 2025 and an older Mentors document dated 10 March 2020 that is still the operative text on that property.
The veteran's checklist
Eight questions that decide whether this is a business or a transfer mechanism. Same eight, every review.
| Question | Answer |
|---|---|
| Who legally owns it? |
WATCH
Launch You, LLC, a Delaware limited liability company. Modern Wealthy is one of its five trade names, not a company. No audited or filed accounts exist and none is required; the only revenue figures available are a platform estimate and the company’s own marketing claims.
|
| Is it a master-resell-rights program? |
WATCH
No - and this is the most common misconception about it. No resale license exists at any tier. The Terms grant "a limited, non-exclusive, non-transferable license… solely for your personal business development" and prohibit redistribution. You earn as an affiliate on the company’s own products; the company keeps the content, the customer and the relationship.
|
| Is there a downline or an override? |
OK
No. No second-tier commission, no unilevel, no matrix, no pass-up, no team volume and no recruitment bonus could be found in any published document or third-party review. Every commission tracks a completed sale to a real buyer. One caveat: the Leadership qualification table is login-gated and could not be retrieved.
|
| What does it really cost? |
RED
$37 advertised. $1,645 a year for the subscription plus the affiliate upgrade required for top commission rates. About $7,180 in year one including the funnel platform, tools and the $10-a-day advertising minimum the curriculum teaches - 194 times the headline.
|
| Published income disclosure? |
RED
None, in sixteen years and across four brands. The Earnings Disclaimer states: "we do not track or calculate typical results achieved by our customers." The privacy statement confirms the company tracks referrals and commissions, and the leadership program runs monthly reports on every affiliate.
|
| Regulatory action against the company or its principal, ever? |
OK
None found anywhere - no FTC action, no state attorney-general suit, no consent order, no court judgment, no advertising-regulator ruling, no criminal proceeding. The Business Opportunity Rule question is live and unadjudicated; no regulator has ruled on it. The adjacent pyramid litigation belongs to a former co-founder’s former employer, in which he was not a defendant.
|
| Can you get your money back? |
WATCH
Thirty days on the two main products, honored in practice on independent accounts, with refunds in five to ten business days. But the Terms add a 50%-completion cap and a discretionary denial for abuse, and the tiers reviewers price at $3,995 to $17,990 carry a three-day window.
|
| Merchant play or miner play? |
WATCH
Merchant, with a rented license. Commissions are funded from end-user margin, not recruit inflow, and there is no downline liability at all. But you must keep paying to keep the right to earn, the customers you refer belong to the company, and the assets its AI builds for you are owned by the company.
|
What has to be true for you to get paid
| To cover | You need |
|---|---|
| Hold the affiliate track for one year, before tools and before advertising | $1,645 $1,297 annual subscription plus $348 for the Ambassador upgrade required for top commission rates - payable whether or not a single sale is made |
| Break even running organic traffic only, no advertising | 2 high-ticket sales $1,982 of year-one cost against a modeled $1,000 per high-ticket sale - roughly 40 front-end buyers, roughly 4,000 targeted visitors, from a standing start |
| Break even on the model the curriculum teaches, at $10/day of ads | 6 high-ticket sales $5,632 of year-one cost; 120 front-end buyers, which means acquiring a $37 customer for $30.42 on cold traffic for a business-opportunity offer |
| Break even having also bought the $3,995 mentorship tier | 10 high-ticket sales $9,627 of year-one cost; about 200 front-end buyers, which the modeled $3,650 advertising budget does not buy at any realistic beginner acquisition cost |
Read this twice
Read the second and third rows together, because that comparison is the report. Organic-only, the arithmetic is winnable: two high-ticket sales clears $1,982 of cost by $18, and in year two, with the audience built and the entry cost gone, the same two sales clear by $355. The catch is time, and the company’s own affiliate concedes it in a disclosed first-hand review - "if you are hoping to create an organic following … you might expect to take a year" - against a month if you pay for traffic. Which is what the curriculum teaches, and where the arithmetic turns. At the taught $10-a-day minimum, year one costs $5,632 and break-even needs six high-ticket sales, which needs about 120 front-end buyers, which needs a cost per $37 customer of $30.42. That number is aggressive but not impossible for a competent advertiser on cold traffic; it is very unlikely for a beginner, who will realistically pay $60 to $90 per front-end buyer. At that rate $3,650 of advertising buys 40 to 60 buyers, converts two or three of them upward, and returns $2,000 to $3,000 against $5,632 of cost. The taught model therefore loses roughly $2,600 to $3,600 in year one for a typical beginner, and that is the single most important number in this report. Three honest caveats belong beside it. The commission assumptions are modeled and not disclosed - the company publishes no rates anywhere, and $1,000 per high-ticket sale comes from its own marketing claim rather than from a schedule. The front-end conversion rate of 0.5% to 1% comes from one independent reviewer and its methodology is not stated. And there is a fourth path the arithmetic treats far more kindly, which the company deserves credit for: the buyer who takes this purely as education and builds an unrelated business needs $2,894 of profit from that business to clear the year - 29 sales of a $99 digital product, ten clients on a $299 service, or 48 members on a $50 subscription. That is the scenario the company’s own best case studies actually occupy, and none of those people made their money selling the program.
Run your own numbers
Drag the sliders. Nothing here is stored or sent.
Read the per-sale figure as the company’s own claim rather than as a disclosed rate, because Launch You publishes no commission schedule anywhere. The affiliate agreement is signed inside the logged-in portal and could not be obtained; the Leadership Program page is login-gated. What the company does publish is the marketing promise of “$1000+ commissions per sale,” and that figure against the $3,995 mentorship tier implies roughly a quarter to a third of the sale price - which is why $1,000 is used here and why it should be treated as an upper bound on the high-ticket tiers only. On the $37 front end the commission is likely nil or nominal; the $37 is a lead-acquisition subsidy rather than a profit center. There is no second-tier, override, downline, unilevel, binary, matrix or pass-up commission anywhere in this plan, so unlike almost every other calculator on this site there is nothing recruiting-shaped to exclude - every dollar modeled here comes from a completed sale of a real product to a real buyer. The cost line is the paywall rather than a fee: $176 a month for the LaunchPad subscription without which no commission is payable at all, plus the $29 a month Ambassador upgrade the company’s own help documentation says is required for “the top level commissions.” Ad spend sits on its own slider because the program teaches paid traffic and a third-party review of the curriculum cites a minimum advertising budget of $10 a day; that is where the preset starts. Nothing here can be checked against a company figure, because in sixteen years the company has published no income disclosure and states in its own earnings disclaimer that it does not track or calculate typical results. Your own subscription cost of $205/mo is included.
What it costs to replace this yourself
What the same capability costs assembled from named vendors at public list price. Two comparisons matter and they point different ways, so both are given: the frugal stack, which is what a first-year member actually needs, and the like-for-like stack, which pays full retail for every component. The honest finding is more favorable to the company than the category norm, and it is stated as such below.
| What they sell you | What you'd use instead | Your cost |
|---|---|---|
| Structured online-business curriculum, nine modules | Free certified curricula from the major ad and inbound platform academies - or Coursera Plus for university and platform-authored specialisations | $0, or $399/yr |
| "55 AI specialists" trained on the in-house framework | One general-purpose AI subscription at $20/mo, briefed properly - the 55 specialists are, functionally, 55 saved prompts | ~$240/yr |
| Brand kit, logo, carousels, graphics | Canva Pro | ~$120/yr |
| Website, funnels and landing pages | Leadpages on annual billing, or WordPress with a premium theme on shared hosting | ~$180–444/yr |
| Email marketing and automation | Kit on its free tier to 10,000 subscribers, or AWeber - the vendor this company itself uses - free to 500 then from $12.50/mo | $0–348/yr |
| Checkout, order bumps and upsells | ThriveCart at $495 once, lifetime - or SamCart at $79/mo if you prefer to rent | $495 year one, $0 after |
| Course and membership hosting, if you sell your own | Teachable, Thinkific, Podia or Kajabi entry plans | ~$470/yr |
| Private community, 7,000+ members | Circle at entry level - or a free group on a mainstream social platform, which is what this company itself runs on | $0–468/yr |
| Automation glue between the tools | Zapier Professional, or Make on its free and core tiers | ~$54–360/yr |
| Live coaching and accountability | A named freelance marketing coach at the open-market rate of $100–250/hr, one hour a month | $1,200–3,000/yr |
| Domain | Namecheap .com | ~$12/yr |
| Ambassador fee - the right to be paid commission | Nothing. No mainstream affiliate network or platform partner program charges for the right to be an affiliate, and none gates the payout behind a subscription | $0 |
| Total as sold $1,297/yr for the subscription alone · $2,845/yr with the funnel platform · plus ~$348/yr for the right to earn |
Total, built yourself $552 frugal · $3,126 like-for-like in year one, $2,631 thereafter · $4,926 with twelve hours of a named freelance coach |
Price-to-value
At the bundled level this comparison goes the company’s way, and that should be conceded without hedging: the subscription plus the funnel platform at $2,845 sits at or slightly below the $3,126 first-year cost of assembling the same capability from named vendors at list price, with one login instead of eight, and the company even publishes its own version of this comparison - imperfect at the top end, but structurally honest and rare in this category. The value collapses in two specific places. The subscription on its own at $1,297 is about 2.3 times the $552 frugal stack, where the differentiator is a pre-built framework and stored business context - real value, but not a thousand dollars a year of it. And the roughly $348-a-year affiliate fee has no market analogue at all, at any price, from any vendor. That is the clearest single price-to-value defect in the offer, and it is the reason this dimension sits at 5.0 rather than higher.
Three operators, five horizons
Probability of cumulative net profit
Hover any point for median, top decile and bottom quartile.
Front-end buyer
pays the $37, watches some of it, stops there - almost certainly the modal outcome by headcount
| Horizon | P(profit) | Median |
|---|---|---|
| 3 mo | 1% | −$37 |
| 6 mo | 1% | −$37 |
| 1 yr | 1% | −$37 |
| 3 yr | 2% | −$37 |
| 5 yr | 2% | −$37 |
Median engaged affiliate
buys the subscription and the Ambassador upgrade, runs ads, works hard, stops around month nine
| Horizon | P(profit) | Median |
|---|---|---|
| 3 mo | 2% | −$1,400 |
| 6 mo | 5% | −$2,600 |
| 1 yr | 9% | −$4,100 |
| 3 yr | 12% | −$4,600 |
| 5 yr | 13% | −$4,800 |
Top-decile builder
full stack plus the mentorship tier, $10–15/day of ads, treats it as a full-time job
| Horizon | P(profit) | Median |
|---|---|---|
| 3 mo | 5% | −$3,500 |
| 6 mo | 18% | −$3,000 |
| 1 yr | 55% | +$3,000 |
| 3 yr | 65% | +$40,000 |
| 5 yr | 68% | +$90,000 |
Methodology note. These are modeled outcome ranges, not claims about any real person and not figures the company published - because the company publishes none. ANCHORED to what is documented: the $37 entry price and the $1,297 annual subscription, both from the company’s own pages and Terms; the $348 Ambassador fee and the $1,548 annual funnel platform; the $10-a-day minimum advertising budget reported by a reviewer who completed the curriculum; the $3,995 mentorship tier as published by two independent reviewers and confirmed by name in the company’s own refund policy; the "$1000+ commissions per sale" figure from the company’s own checkout page and a first-hand report of a $1,200 single-sale commission; and a front-end conversion rate of 0.5% to 1% from one independent reviewer. MODELED by us: the commission rates, because none is published anywhere; the split between front-end and high-ticket conversion; the cohort definitions, which the company does not segment; the share of each cohort in cumulative profit; and the beginner acquisition cost of $60 to $90 per front-end buyer. Two calibration notes cut in opposite directions and both belong here. The first profile is a genuinely small loss - $37, with a working thirty-day guarantee behind it - and this report does not treat it as a harm story; the harm story is the second profile, the person who paid several thousand dollars, worked 300 to 500 hours, made a sale or two and finished down at an effective rate of about minus $8 to minus $14 an hour. And there is a fourth shape not modeled here because it is not an affiliate outcome at all: the buyer who uses the training to build an unrelated business, which is what the company’s own strongest case studies did. That path needs $2,894 of profit to clear year one and it is by a distance the most winnable scenario in the set. The documented extreme outliers - $500,000 in revenue, $100,000 in commission, a quarter of a million - sit far above even the third profile here, are explicitly disclaimed by the company as non-typical, and several of the largest date from the predecessor program a decade ago.
Where you are actually allowed to promote this
Platform policy reads, not verifications. Check every one before you spend a dollar - enforcement changes faster than the written policy does.
Red flags and green flags
Red flags
151You must pay to be paid - and the company’s own page denies it
2No commission rate is published anywhere
3No income disclosure in sixteen years - by explicit policy
4The prices of the top six products are not published at all
5A 194-times gap between the headline and the realistic cost
6Countdown timers whose stated consequence has never occurred
7Arithmetic that does not work on a live checkout page
8Quantified income claims with no typicality disclosure in view
9Refund generosity runs inversely to price
10The company claims ownership of everything its AI produces for you
11Binding arbitration, class-action waiver, Delaware law, twelve-month liability cap
12Two live, non-identical terms-of-service documents
13Stale creative running on the live funnel
14The lineage is a business-opportunity lineage
15The audience skew, and who the advertising is aimed at
Green flags
101No pyramid mechanics of any kind - and this was searched for specifically
2A clean regulatory record across sixteen years
3Real, named, findable ownership
4Original first-party content, not a licensed bundle
5Documented winners who built unrelated businesses
6A working thirty-day guarantee, honored in practice
7Written, specific and correct advertising rules for participants
8Unusually candid disclaimers on the front door
9The bundle is fairly priced against the open market
10Easy exit, and the member keeps their own work
We would like to be wrong about this
Upward
- Publish an income disclosure - median and mean affiliate earnings, the share earning above zero, and the share earning more than their own subscription cost, by cohort year. The company already runs monthly reports on every affiliate, so the data exists; publishing it is the single highest-leverage change available and would move the participant-economics dimension several points on its own.
- Publish the commission schedule and the six gated prices on a public page before purchase, and disclose the earn-gate on the sales page in plain words - that earning any commission requires an active $147-a-month subscription, and top rates a further $29 a month. Removing the gate entirely, so that free affiliates can earn, would move the compensation dimension further still.
- Fix the checkout: retire the timer whose stated consequence has never occurred, reconcile the two prices shown on one page, remove a discount larger than the price it discounts, and put the mandated typicality disclosure beside the "$1000+ per sale" claim. Then assign ownership of AI-generated assets to the member, extend the three-day window on the five-figure tiers to at least fourteen days, and either drop the 50%-completion cap or stop advertising the guarantee as no questions asked.
Downward
- Any evidence of an override, second-tier or team-volume commission emerging from the login-gated Leadership qualification table. That would overturn the structural characterisation in this report, move the compensation dimension down by half its value, and is the single largest open risk on the file.
- Reinstating the $497 setup fee on top of $147 a month while continuing to advertise $37, or any regulator opening a Business Opportunity Rule matter on the quantified "$1000+ commissions per sale" claim or the done-for-you system sold alongside it.
- Confirmation of the reported "NO COMPLAINING" community rule, evidence that refunds are being refused at scale under the 50%-completion clause, or a documented pattern of five-figure sales to over-55s closed on a screened call behind a three-day refund window.
Grade is C-. A real school with an original product and a clean sixteen-year regulatory record, attached to an affiliate track that charges $176 a month for the right to be paid and loses money in year one on the model it teaches.
Three things about this operation are better than the category it sits in, and they should be stated before anything else. First, the structure: there is no override, no downline, no second-tier commission and no team-volume payment anywhere in the plan. That was searched for across every published document and every review retrieved, and none was found. Every dollar of commission is paid on a completed sale of a real product to a real buyer, which is why the recruitment-reward prong of the Koscot test is not met and why this is not a pyramid. Second, the product: original first-party content, presenter-led, proprietary frameworks, a claimed $6m of software development, and - the part that matters most - documented winners in the company’s own case studies who built businesses that had nothing to do with the program. A dog-treat subscription box in central Europe, a family-travel content business, a men’s-health brand, a fertility brand. Third, the file: no FTC action, no state attorney-general suit, no consent order, no court judgment and no criminal proceeding against the company, either predecessor, or the principal personally, anywhere, in sixteen years. The principal is named, photographed, publicly resident and has never disappeared. In this category, none of that is ordinary.
The premise this review was commissioned on was that Modern Wealthy is a master-resell-rights program priced at $497 to $1,297. Research overturned it. There is no resale license at any tier: the Terms grant "a limited, non-exclusive, non-transferable license to access and use our content solely for your personal business development," and separately ban redistribution. The price band is real but belongs to the second tier - the Terms set it out as "Option 1: $497 upfront + $147/month; Option 2: $1,297 annual payment" - while the entry product is $37. The distinction is not pedantic. In a resale chain the buyer owns a copy and can sell it forever with no further relationship to the vendor. Here the buyer owns nothing, the license is revocable and non-transferable, the referred customers belong to the company as data controller, and the right to earn is conditioned on continuing to pay. That is worse on continuity risk and better on saturation risk, and a reader who arrived with the resale model in mind will misjudge both.
Where it fails is the participant economics, and the failure is arithmetical rather than moral. The company’s own help desk states that no commission can be earned without an active $147-a-month subscription, and that top rates require a further $29 a month - while a page published four weeks earlier promises no mandatory upsells. Add the $10-a-day advertising minimum the curriculum itself teaches and year one costs about $7,180 against an advertised $37, a gap of 194 times. On realistic beginner acquisition costs that model returns $2,000 to $3,000 and loses $2,600 to $3,600; the median engaged participant finishes $3,400 to $4,800 down after 300 to 500 hours. And in sixteen years across four brands there has never been an income disclosure of any kind, because - in the company’s own words - "we do not track or calculate typical results achieved by our customers," even though its privacy statement confirms it tracks every commission and its leadership program runs monthly reports on every affiliate. The buyer is asked to bet several thousand dollars against odds the seller declines to compute. That is what a C- looks like: not a fraud, not a pyramid, not a scheme - a real school sold as an opportunity it cannot show anyone winning at.
If you want the training, buy the training and skip the affiliate track
The $37 course is delivered as described, even on the account of the file’s angriest reviewer, and it carries a working thirty-day guarantee. If you go further, the subscription without the Ambassador upgrade removes $348 a year and, more importantly, removes the temptation to make the program itself your business. The company’s own best case studies are people who did exactly this and built something unrelated. That is the version of this offer with a defensible expected value.
Price the frugal stack before you renew
Free certified curricula from the major ad and inbound platform academies, one general-purpose AI subscription at $240 a year, a design tool at $120, a free-tier email platform, self-hosted pages at about $180 and a $12 domain comes to $552 - against $1,297 for the subscription alone. The bundled comparison genuinely favors the company once you add the funnel platform; the unbundled one does not. Work out which of the two you are actually buying.
Ask for the commission schedule in writing before you pay for the right to earn
No rate is published anywhere - not in the Terms, not on any page, not in the seventy help-desk articles. The agreement is signed inside the members’ area. Before paying $176 a month for the right to be paid, ask for the schedule, ask what the last twelve months of median affiliate earnings looked like, and ask what proportion of affiliates earned more than their own subscription cost. The company has all three numbers. If none arrives in writing, that is the answer.
Build the audience first, on someone else’s product
The one path in the arithmetic that works from a standing start is organic, and organic takes about a year - the company’s own affiliate says so in a disclosed review. If you are going to spend that year building an audience anyway, spend it building one around a subject with independent demand, and monetise it through affiliate programs that cost nothing to join and gate nothing behind a subscription. That is the same work, without the $1,645 annual floor and without a license that can be revoked.
Nine dimensions, weighted
Dimension profile
Further from center is better. Hover any point.
Hard caps that bind here
The lowest binding cap wins, regardless of the weighted arithmetic.
What we read
Every source below links to the document itself. Tier 1 is a primary record - the company’s own plan, policy or disclosure, a court filing, a regulator’s decision or an SEC filing. Tier 2 is a self-regulatory or secondary regulator record, tier 3 reporting or academic work, tier 4 an open-market price comparison. Where a document can be moved or withdrawn, an archived copy is linked beside it. If a link is dead when you try it, that is a correction we want.
- Launch You, LLC Terms & Conditions - §2 pricing ("Option 1: $497 upfront + $147/month; Option 2: $1,297 annual payment"; Funnel Launch $129/month), §4 refunds with the 50%-completion cap, §8 affiliate program, and the list of covered services (LaunchPad, Funnel Launch, Mentors.com, Fourtopia, Ultimate Life Blueprint)
Launch You, LLC Terms & Conditions, last updated 15 January 2025 - §2 pricing ("Option 1: $497 upfront + $147/month; Option 2: $1,297 annual payment"), §4 refunds and the 50%-completion cap, §5 prohibited activities, §6 the non-transferable license and the AI-ownership clause, §8 the affiliate program, §11 the twelve-month liability cap, §12 arbitration and class-action waiver, §14 termination, §16 the Code of Ethics
Not established by this document: The Terms page carries no visible "last updated" line in the retrievable text, so the 15 January 2025 revision date recorded in the report could not be confirmed against the live document.
- Launch You Terms of Service - alternate published path for the same document, including the SMS marketing terms and free-trial clause
- Launch You Privacy Statement, last updated 10 July 2025 - Launch You, LLC as a Delaware limited liability company at 651 North Broad Street, Suite 201, Middletown, DE 19709; trade names LaunchPad, Mentors.com, Funnel Launch, Fourtopia and Modern Wealthy; company named as data controller; affiliate referral and commission tracking disclosed
Launch You Privacy Statement, last updated 10 July 2025 - the Delaware entity, the Middletown registered-agent address, the full list of trade names and domains operated by the same company, the third-party subprocessors, and the confirmation that the company tracks referrals and commissions and is the data controller for all customer data
- Launch You Earnings Disclaimer, last updated 30 January 2026 - "We make NO guarantees about your ability to earn money"; "We do not track or calculate 'typical' results achieved by our customers"; testimonials described as exceptional and not typical
Launch You Earnings Disclaimer - "we do not track or calculate typical results achieved by our customers"; results not typical; the $100m figure conceded as gross revenue accumulated by specific individuals before expenses and taxes, and described as an aspirational example only
Not established by this document: The $100m gross-revenue figure conceded as an aspirational example does not appear in the retrievable portion of the current Earnings Disclaimer, which has been revised since the report was written; that specific concession is now unlinked.
- Launch You Knowledge Hub - "How can I earn a commission and ensure I receive the highest commission?", 18 November 2025: "Without an active LaunchPad subscription, you will not be able to promote our products and services and earn commissions," and the Ambassador upgrade required for top-level commissions and Leadership Program eligibility
Launch You help desk, article on earning commissions, last updated 18 November 2025 - the earn-gate: "Without an active LaunchPad subscription, you will not be able to promote our products and services and earn commissions," and the Ambassador upgrade required for top level commissions; read against the "no hidden costs" article of 21 October 2025 stating there are no mandatory upsells
Not established by this document: The direct article URL for the "no hidden costs" answer could not be resolved - the Intercom article ID is not exposed anywhere in search results, so only the collection page that lists its exact title is linkable. The Leadership Program qualification table itself sits behind an affiliate login at affiliate.mentors.com and remains unretrievable.
- Launch You Knowledge Hub - "How to sign up for the Launch You affiliate program," 21 October 2025: basic affiliate program free to join, Ambassador program at $29 per month, application reviewed within 72 hours, affiliate agreement signed inside the members' area
- Launch You Knowledge Hub - Frequently Asked Questions & Answers collection, which lists the article "Are there any hidden costs later on, aside from the expected starting business ones like ads, domains, etc.?" alongside the affiliate and Leadership Program articles
- Launch You Knowledge Hub - Launch You Leadership Program FAQs: "All active Ambassadors ($29/month) are eligible," monthly qualification reports, level-down on falling out of criteria
- Launch You Knowledge Hub - Refund Policy, last updated 21 October 2025: 30 days on LaunchPad and Lift Off, 30 days on other products unless stipulated at purchase, absolute bar on refunds for named third-party items (domain purchases, Convertri subscriptions, Content Manager orders, DBL hosting)
Launch You help-desk Refund Policy, 21 October 2025 - thirty days on the two main products; three days on Accelerate, Accelerate With You, Brand Launch, the three Rapid Launch Packs and Ambassador fees; the absolute bar on refunds for named third-party items; and the naming of all eight gated products, which corroborates their existence without disclosing their prices
- Launch You site Refund Policy table - 30 days on digital courses "including programs such as LaunchPad, Modern Wealthy" subject to less than 50% completion, 7 days on the LaunchPad Pro bundle, 3 days on mentorship/coaching and on Rapid Launch Packs, no refund on subsequent subscription cycles
- Modern Wealthy sales page - "Your Gateway to Digital Freedom," the Authority Marketing pitch and the cash-flow-on-autopilot framing (the operator's own marketing; no earnings substantiation on the page)
Modern Wealthy sales page, retrieved 31 July 2026 and cross-checked against the Wayback capture of 21 July 2022 - near-identical after four years; the $37 price, the four case-study names, and the candid disclaimer block including "the average person who buys any how-to information on the internet gets little to no results"
- Modern Wealthy order page - $37 today against a stated "Regular Retail: $697," "95% Off Discount Expires Soon," $1,594 claimed value stack and a 30-day guarantee
- Modern Wealthy sales page as captured by the Wayback Machine on 21 July 2022 (archived copy, for the four-year near-identity comparison)
- Launch You - LaunchPad overview page: 55 AI specialists, nine-module Mission Map, private community of 7,000+ members, "$497 Setup + Personal Onboarding Waived," $1,297/yr or $147/mo, "No setup fees. No hidden extras" (company's own marketing claims)
Launch You LaunchPad and legacy checkout pages - the 55-agent AI layer, the nine-module curriculum, the 7,000-member community, the $6m development claim, the $10,938 claimed value stack, the two conflicting displayed prices, the "$1000+ commissions per sale" claim, the member income testimonials, and the countdown timer threatening a rise to $2,999
- Launch You legacy LaunchPad checkout page - the $10,938 claimed value stack, the "$1000+ commissions per sale" claim inside Bonus 4, and the two conflicting displayed prices ($1999 and $997 one-time)
- Launch You legacy LaunchPad sales funnel page - "Retail $2,999 … Special Offer $997," split pay at $197 plus 11 × $99, and the countdown timer threatening a rise to $2,999 (the operator's own scarcity marketing)
- 16 CFR Part 437 - Business Opportunity Rule, current text on eCFR (§437.1(c) definition, §437.2(a) the $500 threshold, §437.3 the disclosure document, §§437.4 and 437.6 earnings claims, §437.1(m) exemption for general business-development advice, training and educational materials)
FTC Business Opportunity Rule, 16 CFR Part 437, primary text - §437.1(c) definition, §437.2(a) the $500 threshold, §437.3 the disclosure document, §§437.4 and 437.6 earnings claims, and the §437.1(m) exemption for general business-development advice, training and educational materials
- Phoenix New Times - "Liberty League International in Scottsdale is a Pyramid Scheme, Lawsuit Alleges," 16 June 2009 (reporting the 2009 federal class action and referring back to the 2006 state action)
Phoenix New Times reporting on Liberty League International - the 2005 Arizona state order over false claims and the 2009 federal class action alleging a pyramid scheme. Neither names the co-founder as a defendant; neither concerns Launch You, LLC, Modern Wealthy or the principal of this business
Not established by this document: Neither the state order nor either class action names the co-founder of this business as a defendant, and none of them concerns Launch You, LLC or Modern Wealthy. The Arizona AG's own 2006 press release is no longer served at a retrievable URL, so the state action is linked through a regulatory-action database rather than the agency's own page.
- Arizona Attorney General consent judgment with Liberty League International, LLC and principals Brent Payne and Shane Krider, 24 May 2006 - $115,000 settlement over unsubstantiated income claims (Violation Tracker record of the state action)
- Mann v. Liberty League International, LLC, No. 2:09-cv-01260 (D. Ariz.) - order on transfer setting out the RICO, consumer-protection and anti-pyramid claims in the Huff and Mann class actions (RECAP copy, PDF)
- eBizFacts - "Launch You Review: 12 Things To Know": $37 entry price, LaunchPad at $997 or $197 + 11 × $99, unverified reports of tiers up to $17,990, and the fake-scarcity criticism (independent reviewer)
Independent review corpus - two reviewers publishing an identical internal price list ($497, $1,997, $3,995, $7,995, $9,995, $17,990); the $10-a-day taught advertising minimum; the 0.5%–1% affiliate conversion figure and the $697-to-$37 price history; a first-hand report of a $1,200 single-sale commission; the predecessor academy tier prices and the "positioning" mechanic; and Trustpilot profiles at 4.1 from 106 reviews and 4.6 from 111 reviews, both carrying an active Trustpilot subscription and solicited invitations, which makes both a solicited sample rather than an organic one
Not established by this document: The first-hand report of a $1,200 single-sale commission and the 0.5%–1% affiliate conversion figure could not be traced to a specific retrievable page; they remain unattributed to any linkable source.
- Kristoffer Thun - Launch You review publishing the full internal price list: Liftoff $497, Elite Ambassador $1,997, Accelerate $3,995, Brand Launch $7,995, Accelerate With You $9,995, Rapid LaunchPack Silver $3,995 / Gold $9,995 / Platinum $17,990 (reviewer-attributed; the company publishes no price for any of these)
- My Modern Healthy - second independent publication of the identical price list, plus the $10-a-day taught advertising minimum (affiliate-motivated reviewer; reviewer-attributed, not company-published)
- Trustpilot profile for modernwealthy.com - 4.1 from 106 reviews, claimed profile (solicited sample; Trustpilot does not fact-check reviews)
- Trustpilot profile for launchyou.com - 111 reviews (solicited sample; Trustpilot does not fact-check reviews)
What we could not get
- THE COMMISSIONING PREMISE, DISPROVED - this was researched as a master-resell-rights program at $497 to $1,497. It is not one. No resale right, private-label right or reseller license exists at any tier; the license is expressly non-transferable and redistribution is prohibited by both the Terms and the Code of Ethics. The price band is real but attaches to the second tier, not the headline: the entry product is $37 and the Terms price the next tier at "$497 upfront + $147/month" or "$1,297 annual payment." Both figures are published here side by side because the correction is part of the finding.
- The commission rates - the single most consequential gap in this report. No percentage or dollar figure is published in the Terms, on any public page, or anywhere in the help desk’s seventy articles; the affiliate agreement is signed inside the members’ area and could not be obtained. Every commission figure in this report is modeled from the company’s own "$1000+ per sale" marketing claim and one first-hand report of $1,200, and is labeled as such.
- The Leadership Program qualification table, which is behind an affiliate login - only the page shell could be retrieved. The one threshold disclosed publicly, twenty-five active members for the second level, reads as personal referrals. If that table contains team-volume thresholds or any override, the compensation picture in this report would change materially. This is a retrieval failure, not an absence.
- The prices of the six gated products - $497, $1,997, $3,995, $7,995, $9,995 and $17,990. Two independent reviewers publish the identical list, and the company’s own refund policy confirms every product exists by name, but the company publishes no price for any of them. Attributed to the reviewers, not to the company.
- The Delaware file number and formation date for Launch You, LLC, and the WHOIS record for the domain. The state entity search returned a processing error to automated querying and the commercial mirrors returned bot walls; the domain registry lookups returned a security interstitial. The entity’s existence as a Delaware LLC is confirmed by its own signed policy documents; only the file number, formation date and registrant are unretrieved.
- The Better Business Bureau profile and any complaint count for Launch You, LLC - the lookup returned a crawl error. Nothing about the existence or content of a BBB profile is asserted here in either direction.
- The reported "NO COMPLAINING" rule in the private community, which comes from one independent reviewer and could not be verified because the group is private; the contents of the screened "Vision Call" and its sales script, which require a purchase and a booked appointment; and the roles, equity and prior histories of the three other named leadership figures and one product byline, for whom no filings could be retrieved.
- The 0.5%–1% affiliate conversion rate that the break-even arithmetic rests on comes from a single independent reviewer with no stated methodology, and the $10-a-day taught advertising minimum comes from a single reviewer who completed the curriculum. Both are load-bearing and both are single-sourced. Also unretrieved: any state business-opportunity registry filing or the absence of one, which was not queried state by state.
Not advice
This is independent analysis for decision-making, not legal, financial or investment advice. Allegations reported by third parties should be verified against primary court and regulatory records before any decision.
Researched by Claude. Reviewed by an editor.
Every report is researched and written by Claude, Anthropic’s AI assistant, from the company’s own plan documents, policies, terms and regulatory file - then reviewed before publication by Rob Fore, who checks the sources and the stage-label on every allegation.
- Nine weighted dimensions, published with their weights
- The editor checks the evidence and cannot change the number - the build rejects any page whose grade does not reconcile to its own arithmetic
- Every affiliate position we hold is disclosed on the report it touches
- No company has paid for a grade, and no report carries an affiliate link
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Modern Wealthy - frequently asked
QIs Modern Wealthy a master-resell-rights program?
QIs Modern Wealthy an MLM or a pyramid scheme?
QHow much does Modern Wealthy actually cost?
QDoes Modern Wealthy publish an income disclosure?
QHas Modern Wealthy or Launch You been sued or investigated?
Author, editor and publisher
This report was researched and written by Claude, Anthropic’s AI assistant, working from primary documents - Modern Wealthy’s own compensation plan, its policies and procedures, its terms of service, its income disclosure statement where one exists, and its regulatory and self-regulatory file. It was scored against nine weighted dimensions that are published in full, with their weights, on the methodology page.
Before publication it was reviewed by Rob Fore, who checks every source link, every figure against the document it came from, and every allegation against its stage-label - an investigation is not a finding, a warning letter is not an enforcement action, and a filed claim is not a verdict.
The editor does not set the grade. The published score is the weighted composite of the nine dimension scores, and the build refuses to emit a page where the two disagree by more than 0.06. A grade moves when the evidence moves it and not otherwise.
Rob Fore has marketed online since 1996, wrote Online MLM Marketing (2014), and is CEO of Listech Inc, the Nevada corporation that publishes this site. He holds affiliate positions in companies graded here - including LiveGood, which this site grades D, SendOutCards, which it grades C−, and the Home Business Academy, which it grades B−. Those positions are disclosed on the reports they touch, and changed nothing on this page.
About the author and our conflicts · Contact the editor · Corrections: corrections@opportunitygrade.com
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Corrections
Every factual claim on this page is sourced, and the ones we could not stand up are named in the unable to verify list above. If something here is wrong, we want to know, and we would rather hear it from Modern Wealthy than from a reader.
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