Modern Millionaires Review (2026): Is it Legit or a Scam?

Hey, Drew here. Welcome to my Modern Millionaires review of Chance Welton and Abdul Farooqi's paid-ads agency program.

I've reviewed make-money-online courses for years, I ran my own SEO agency before this site existed, and I went deep on this one — the training, the real 2026 pricing, the Leadific software, and hundreds of student reviews on Trustpilot, the Better Business Bureau, and Reddit.

Modern Millionaires is not a scam, but it's also nowhere near the easy win the ads make it look like. It's a legitimate program teaching a real business model: running Google and Facebook ads to generate leads for local businesses like dentists, lawyers, and roofers. Some students genuinely make money. But the price climbs into five figures once you're past the entry funnel, there are no refunds, and the day-to-day reality is far harder — and far less passive — than the webinar promises.

So should you hand over $5,000 to $25,000? For most people reading this, I don't think so. I'll show you exactly why, and a cheaper path that fits 2026 a lot better. If you'd rather skip ahead, here are the courses I actually recommend.

💡 Modern Millionaires Teaches a 2020-Era Agency Grind. Here's the 2026 Shortcut.

Modern Millionaires is built around cold outreach, paid-ad management, and chasing local clients who can fire you anytime. It's a real business — it's also a slog that needs a big budget and a thick skin for rejection.

If the appeal for you is "make money online without cold-calling dentists or burning thousands on ad spend," that's exactly why I built my 2026 AI Business Blueprint. It covers five AI-powered models you can start for $47 instead of $25,000 — no team, no paid ads, and you own what you build. Want to build a $10K/month AI business without a team or paid ads? Grab my free starter kit, or keep reading for the full Modern Millionaires breakdown first.

⭐ My Modern Millionaires Rating: 3.0/5

The model is real and the ad training is solid. The cost, the no-refund policy, the repackaged software, and the fulfillment complaints on the higher tiers are what drag the score down.

What Is Modern Millionaires?

Modern Millionaires is a training program that teaches you to build a paid-ads agency, generating leads for local businesses using Google and Facebook ads. You target service businesses — dentists, law offices, plumbers, roofers, chiropractors — that need customers but don't know how to run ads themselves. You set up the campaigns, send them the leads, and charge a monthly retainer.

The program launched in 2019, and it has gone through a few names. Chance and Abdul first ran it as the "Officeless Agency" and the "Millionaire Middleman" before settling on Modern Millionaires. Alongside the training, they sell a software platform called Leadific that you can white-label and resell to your clients as a CRM.

Here's the thing most ads gloss over: this is an online and offline business. You're not just clicking buttons. You're prospecting strangers, getting on sales calls, closing deals, managing ad budgets, and keeping clients happy month after month. That's three separate skill sets you need to get good at, and I'll come back to why that matters.

Is Modern Millionaires a Scam?

No, Modern Millionaires is not a scam in the technical sense — it's a real program with real training, a real software tool, and students who have genuinely made money. A scam takes your money and delivers nothing. Modern Millionaires delivers a course, a community, coaching calls, and software access.

But "not a scam" and "a good use of your money" are two different things, and that gap is the whole story here. The marketing makes a hard local-agency business sound easy and close to passive. It isn't. The entry funnel looks cheap, then the real cost lands in the five figures. And the highest-priced "done for you" tier has a long trail of complaints from people who paid big and felt abandoned.

So I won't call it a scam. What I will say is that the way it's sold sets a lot of beginners up for disappointment, and the people most likely to get burned are exactly the ones the ads target hardest — folks who can least afford to lose the money.

Is Modern Millionaires Legit?

Yes, Modern Millionaires is a legitimate company teaching a legitimate business model. Running a paid-ads agency for local businesses is a real way people make money, and it has been around far longer than Chance and Abdul. They didn't invent it.

The training itself is legit too. The Google Ads and Facebook Ads modules are detailed, the sales and prospecting material is more thorough than a lot of courses bother with, and the coaches get genuinely strong reviews (more on that later). The Leadific software is real software that works as a CRM.

The catch is that "legit" doesn't mean "worth $25,000," and it doesn't mean you'll succeed. Plenty of legitimate businesses are still bad bets for a specific person. Running a small business carries real risk no matter how good the training is — the Bureau of Labor Statistics puts the small-business failure rate at roughly 20% in the first year and more than half by year five. A course can't change that math. It can only teach you the skills. The rest is on you, your budget, and your stomach for rejection.

Is Modern Millionaires an MLM or Pyramid Scheme?

No, Modern Millionaires is not an MLM or a pyramid scheme. You make money by running ads for local businesses and reselling software — not by recruiting other people into the program and earning off their purchases. There's no downline, and you're not paid to enroll others.

I see this question a lot on Reddit, where people lump anything expensive and aggressively marketed into the "MLM" bucket. It's an understandable reaction to the "be a millionaire like me" advertising style, but it's not accurate here. If you want to understand the actual difference, I broke it down in my guide on whether affiliate marketing is a pyramid scheme — the same logic applies.

What's fair to say is that the marketing leans heavily on lifestyle and emotion, and the sales process is built to close you on a call. That's not an MLM. It's just high-pressure selling, and you should walk in expecting it.

Who Are Chance Welton and Abdul Farooqi?

Modern Millionaires was created by Chance Anthony Welton and Abdul Samad Farooqi, two digital marketers who built lead-generation businesses before they started teaching. They're real people with real track records — and a more interesting backstory than the ads let on.

Who Is Abdul Samad Farooqi?

Abdul is from Vancouver, British Columbia. He graduated from the University of British Columbia with a Bachelor of Commerce and worked several finance jobs before getting tired of the 9-to-5. In 2013 he started a marketing company, Samad Consulting, also operating as Lions Digital Solutions, and began generating leads for local businesses.

Who Is Chance Anthony Welton?

Chance has the rags-to-riches origin story the marketing loves. After his father passed away in 2010, he ran through a $116,000 life insurance payout and, by 2014, was down to his last $1,300. That's when he and Abdul joined a lead-generation coaching program and learned the skills that turned things around.

The Dan Klein Connection

Here's the part the ads skip. Chance and Abdul learned this business from Dan Klein's lead-generation program (then called Job Killing) back in 2014. Klein helped them launch their own course and was originally a partner in it. The relationship fell apart when Chance and Abdul wanted to renegotiate Klein's cut. Both sides tell it differently, but the short version is that the two of them came out of someone else's program, then built a competing one.

The AI Pivot: Halal CEOs and The AI Owners

This is where 2026 gets interesting. According to recent reviews, Chance and Abdul now also market under two newer brand names — "The AI Owners" and "Halal CEOs" — leaning into AI automation and niche audiences. Both are real, currently operating programs with their own review profiles, and Halal CEOs uses nearly identical "done for you, $100M generated" language to Modern Millionaires. I couldn't independently confirm from a primary source that the same two people run all three, so treat that connection as a strong claim rather than a settled fact.

But the bigger point doesn't depend on it: even the lead-gen and agency gurus are stampeding into AI right now. That tells you where the opportunity has moved, and it's a big reason I shifted this whole site toward AI-powered models.

How Much Does Modern Millionaires Cost in 2026?

There's no public price and no buy button — you get the cost on a sales call, and recent reports put the real programs anywhere from about $2,500 on the low end to $25,000 at the top. They run a cheap front-end funnel (sometimes a $49 intro course) to get you on a call, then the closer presents the actual tiers.

The structure has shifted over the years. The older fixed pricing of $7,995, $12,995, and $19,995 appears outdated. More recent breakdowns describe three levels: a do-it-yourself program around $2,500, a done-with-you program around $10,000 with coaching calls, and a top "Diamond" tier reported as high as $25,000 where they build more of it for you. Worth noting — the Diamond tier is what the old "Done For You" package became after it ran into trouble, which I'll cover in the complaints section.

Whatever the number, it's rarely paid upfront. They offer financing and "scholarship" payment plans, and several people on Reddit mention being asked about their credit score on the call so they could be steered toward a loan. Student reviews on the BBB and Trustpilot report paying everywhere from about $4,500 to $25,000, with at least one $30,000 figure floating around.

And remember, the program fee is just the start. You also need an ongoing ad budget — realistically $1,000 to $3,000 a month per client to make paid ads work — plus the Leadific subscription on top. One blunt reader comment stuck with me: if these guys are already millionaires, why do they need your $5,000? Fair question.

What Is Leadific and Is It Worth $399 a Month?

Leadific is a white-labeled version of GoHighLevel, the popular all-in-one CRM — not proprietary software that Chance and Abdul built from scratch. It runs about $399 a month or $3,990 a year, and it's the tool you're meant to resell to your own clients under your own brand.

This matters because the software is one of the main things people think they're buying. Multiple reviewers on the BBB and Reddit describe the same letdown: they believed they were purchasing exclusive software, then discovered after paying that the "software" was a separate monthly fee and the core purchase was really training on how to cold-call. One detailed BBB reviewer flat out called it a lesser version of GoHighLevel resold under a new name, with worse pricing and support than GoHighLevel offers directly.

It also has reliability gripes. Because Leadific leans on Twilio for the phone numbers behind your campaigns, students have reported numbers breaking and client phone lines going down — which is a serious problem when your client has that number printed on business cards and signage. Before you ever pay for it, do what one reviewer suggested and check Leadific's actual app-store ratings yourself.

My take: there's nothing wrong with using GoHighLevel for an agency — it's a good platform. But paying a premium for a rebranded version of it, marketed as something exclusive, is not a selling point. It's a markup.

How Much Money Can You Really Make?

The advertised "$10,000 to $30,000 a month" figures are gross revenue, not profit — and on a paid-ads agency, most of that money is the client's ad budget passing through your account. When you run ads for a client, you keep roughly 10% to 20% as your fee. The rest goes straight to Google and Facebook. So a student "making $20,000 a month" might actually be pocketing two or three grand once the ad spend is paid.

That single fact undercuts the whole pitch, and it's the thing the testimonials never explain. The math the program shows you — something like 34 clients at $299 a month equaling $10,000 — assumes you can land and keep dozens of paying clients, which is the hardest part of the entire business.

To be fair, some students do well. Modern Millionaires points to people like Sajid, who reportedly reached around $15,000 a month with 20 clients, and Julian, a former Starbucks worker doing about $9,000 a month with four clients. Those results look real. But they're the exceptions, not the rule — the company's own legal disclaimer admits results aren't typical and that most people who buy "how to" programs get little to no results. Believe the disclaimer over the highlight reel.

This is also why I can't stand the word "passive" being attached to this model. There's nothing passive about prospecting, closing, and babysitting ad campaigns every single day.

What Does the Modern Millionaires Course Teach?

The course is built around four core modules covering the full agency workflow — foundation, prospecting and sales, paid traffic, and outsourcing. It's a genuinely detailed curriculum, and module three is where most of the value sits. Here's the breakdown.

Module 1: The Foundation

This module keeps things simple. You learn how to set up your agency from scratch — picking a niche, buying a domain, building your agency website, and getting your head right for running a business. If you're in the United States, there's a decent bit on handling your business taxes too. It's mostly groundwork and mindset.

Module 2: Prospecting and Sales

This is where you learn to find clients. It covers prospecting through LinkedIn (using automation tools to scale outreach), Facebook, email, and cold calling. They include contract and proposal templates, which is a nice touch. The deal-closing material is a little thin given that closing is the make-or-break skill for this whole model, but the prospecting coverage is more thorough than most courses bother with.

Module 3A: Driving Traffic With Google Ads

This is the heart of the course. Abdul walks you through landing-page builds, keyword research, campaign setup, and tracking with Google Analytics. It's one of the more detailed Google Ads walkthroughs I've seen inside a course like this.

Module 3B: Driving Traffic With Facebook Ads

Same idea, different platform. You learn to set up Business Manager, install the Facebook pixel, build and retarget ads, and optimize campaigns. Solid, though Facebook is a tougher, pricier platform to crack than the module lets on.

Module 3C: Lead Nurturing

This ties the two traffic modules together — turning the leads you generate into paying clients and developing them properly so they convert.

Module 4: Auto-Pilot

The final module is about outsourcing and scaling — hiring on Upwork and Fiverr, building a sales team, and automating the day-to-day. The program pushes you to automate early, which has pros and cons depending on whether you've actually got revenue to support it yet.

What Are the Biggest Problems With Modern Millionaires?

The model can work, but it carries five structural problems the marketing doesn't tell you about — and they're the reason most beginners struggle. These aren't nitpicks. They're baked into the business itself.

The Income Numbers Are Misleading

As covered above, the headline figures are revenue, not profit. You keep a thin slice after ad spend. Showing a student "doing $20,000 a month" without explaining margins is the single most misleading thing about the pitch.

The Google Guarantee Niche Trap

This is the sharpest criticism I found, and almost no other review covers it. Modern Millionaires steers students into popular niches like roofing, pest control, and home services. The problem is that many of those niches are now covered by Google's Local Services Ads and the Google Guarantee badge, where business owners get leads directly for roughly $25 to $50 each. Meanwhile, Modern Millionaires tells you to charge clients around $100 a lead. As one frustrated student asked, why would a business pay an inexperienced newcomer double what Google charges them directly? It puts you in a losing position before you start.

You Can't Keep Clients Long-Term

Paid-ad clients are hard to retain. Ad costs fluctuate, results swing month to month, and clients get unhappy fast when a pricey month underperforms. The honest average is that a paid-ads client sticks around three to six months before churning. That means you're constantly back to square one, hunting for the next one.

Everyone Is Using the Same Outreach

The LinkedIn-bot prospecting the course teaches has gotten saturated. When thousands of students message the same dentists and lawyers with the same automated scripts, those business owners stop responding. The well dries up, and it gets harder every year.

You Don't Own Anything

This is the big one. You're running ads on the client's accounts, for the client's business. You don't own the asset. The client can fire you tomorrow and your income from them vanishes overnight. You're a service provider, not a business owner — and that's a fragile place to be.

What Are Real Students Saying?

Student sentiment is genuinely split — strong praise for the coaches, and serious complaints about fulfillment, support, and refunds on the higher tiers. I dug through Trustpilot, the BBB, and Reddit, and the pattern is consistent enough to be useful. Take Reddit with a grain of salt as always, but the themes line up across all three.

Trustpilot

Modern Millionaires holds a TrustScore around 3.5 to 3.7 across roughly 379 reviews, and the split is telling. The five-star reviews cluster heavily in mid-2023 and almost all praise individual coaches — names like Carlos, Jay, and Nikki come up again and again, and that praise reads as real. The one-star reviews, including more recent ones, tell a darker story: "scammed for $15,000," six months of effort for a single unqualified appointment, and refund requests that went unanswered for months. Several reviewers openly accuse the company of inflating its own ratings.

Better Business Bureau

The BBB picture is rougher. The Modern Millionaires LLC profile is not BBB accredited and averages around 1.88 out of 5. The running theme is people who paid $4,500 to $15,000, hit technical or support walls, asked for refunds, and then couldn't reach anyone — with several noting the contact pages and emails had gone dead.

Reddit

Reddit has been skeptical for years, with the recurring bait-and-switch complaint (sold on software, delivered cold-call training) and debates about whether the model even works for beginners. The most balanced Reddit voices land on the same place I do: the business model is legitimate, but the support is weak and the marketing oversells.

Who Is Modern Millionaires For (and Who Should Avoid It)?

Modern Millionaires is for someone with real capital to risk, genuine comfort with sales, and the patience to grind for months before profit — and it's wrong for almost everyone else. Let me be specific, because the ads target the exact people who should stay away.

You might do well with this if you already have $10,000 or more you can afford to lose, plus a monthly ad budget on top, and you actually enjoy (or can stomach) cold outreach, sales calls, and rejection. If you've run an agency or done sales before, even better — you'll move faster.

You should avoid it if money is tight, if the phrase "cold-call a dentist" makes your skin crawl, or if you're chasing passive income. Beginners with no budget and no sales experience are the ones who end up writing those one-star refund reviews. There's no shame in that — it's just the wrong fit.

A lot of people quit not because they're lazy, but because they went in underfunded and underprepared for how hard client work actually is, which is also one of the top reasons affiliate marketers fail when they pick the wrong model for their situation.

Can You Get a Refund From Modern Millionaires?

No, Modern Millionaires does not offer refunds — all sales are final. This is confirmed across their own policy, multiple YouTube reviews, and a long list of student complaints. A handful of reviewers mention getting money back, but they're the exception, and most refund requests in the reviews went unanswered.

This is a big deal given the price. With most legitimate courses you get at least a 7- or 30-day guarantee. Here you don't. So the rule is simple: do not put money into Modern Millionaires that you can't afford to lose, because once it's gone, it's gone. A no-refund policy on a five-figure purchase is exactly the kind of risk you should weigh before the sales call, not during it.

Modern Millionaires Pros and Cons

Modern Millionaires has real strengths — and the cons are heavy enough that I can't recommend it for most people. Here's the honest balance sheet.

On the plus side, Chance and Abdul are proven operators who've actually run agencies, not just sold courses. The Google and Facebook ads training is detailed and genuinely good. The sales and prospecting material is more complete than most courses offer, the coaches earn real praise, and the LinkedIn prospecting tools save time.

On the downside, the cost runs into five figures, there are no refunds, and your real profit margins on paid ads are thin once ad spend is paid. Clients churn fast, you own nothing, the LinkedIn outreach is saturated, the Leadific software is a marked-up rebrand of GoHighLevel, and the higher "Diamond" tier has a trail of fulfillment and support complaints. That's a lot of weight on the wrong side of the scale.

What Are the Best Modern Millionaires Alternatives?

If you like the idea of making money online but not the cold-calling, the ad spend, or the five-figure price tag, there are far cheaper models that let you own what you build. Here are the three I'd actually point you to.

The AI Approach: Build a Business Without Cold Calls or Ad Spend ($47)

Modern Millionaires has you grinding through prospecting, ad management, and client work. In 2026, AI handles a lot of that heavy lifting for the kind of online business you actually own. My 2026 AI Business Blueprint walks through five AI-powered models — content, automation, and digital products among them — where you're not chasing clients or burning ad budget, and you keep close to 100% of what you make instead of a 10% slice after ad spend.

It's $47 one-time versus $5,000 to $25,000, and there's no monthly software bill hanging over you. I break down all five models in detail in my guide on how to make money online with AI, and the full course is The 2026 AI Business Blueprint here.

High-Ticket Affiliate Marketing

If you want big commissions without managing client ad accounts or dealing with churn, high-ticket affiliate marketing is worth a look. You promote premium products and earn large commissions per sale, without cold-calling local businesses or being on the hook when a client's campaign has a bad month. You build content you own, and it keeps working for you.

Digital Rental Method

Digital Rental Method by Sean Kochel and Joshua Osborne is a direct competitor, not a cheaper way out. It runs on the same paid-ads engine, sits in the same high-ticket range (students report $5,000 to $10,000), and needs an ad budget on top — so if your problem with Modern Millionaires is the cost or the ongoing ad spend, this one won't fix either.

It does come out ahead in one spot: ownership. Modern Millionaires has you running a client's ad accounts, so the day they stop paying, your income from them stops too. Digital Rental Method uses a rank-and-rent model where you keep the website and can re-rent those leads to another business if a client walks. If you're set on the paid-ads route and want to compare the two head to head, my Digital Rental Method review breaks it down.

Skip the Agency Model Entirely

The honest truth is that the local-agency model is one of the harder, more expensive ways to start online. If you're a beginner, I'd start with something that doesn't require sales calls, a big ad budget, and a no-refund five-figure bet up front. You can always layer in agency work later once you've got cash flow and confidence.

Why Most Modern Millionaires Reviews Push You Into Another Expensive Course

Here's something to keep in mind as you research: most of the Modern Millionaires reviews ranking on Google are written by affiliates of competing programs that cost just as much. Watch the pattern. They spend the whole article knocking Modern Millionaires, then pivot you toward "local lead generation," "digital leasing," or some other agency course — and that course usually runs $5,000 and up, with the reviewer earning a commission when you sign up.

I'm not doing that to you. I'm not an affiliate of a $7,000 lead-gen program trying to swap you from one expensive course into another. I'll tell you straight: the model can work for the right person, but it's a hard, costly path, and the cheaper alternative I'd point a beginner to is a $47 AI course — one I built and stand behind, not a high-ticket offer dressed up as a recommendation.

When you read any review in this space, including mine, ask what the writer is selling on the back end. It tells you a lot.

Final Verdict: Should You Join Modern Millionaires?

Modern Millionaires is legit, but for most people it's the wrong first move — the math is brutal, the cost is steep, and there's no safety net if it doesn't work. The training is real and some students succeed. I'm just not willing to pretend that the average person, going in with a tight budget and no sales experience, is likely to be one of them.

I started my own SEO agency years ago, and I lived this exact grind — the cold outreach, the rejection, the stress of asking business owners for money up front and getting the door shut in my face. I hated it. That's why I moved into affiliate marketing and e-commerce, where I didn't have to cold-call anyone or chase clients who could fire me on a whim. It suited me far better, and these days AI makes that kind of own-the-asset business easier to start than ever.

So if you've got real money to risk, you love sales, and you want it badly enough to push through months of rejection, Modern Millionaires could work for you. If any part of that gives you pause, keep your $25,000 and start somewhere cheaper, lower-risk, and yours to keep.

You Might Also Find These Useful

If you're weighing your options, affiliate marketing versus e-commerce — which model to start is a good next read, and you can see how to actually make money with affiliate marketing if that path appeals to you more than running ads for local clients.

Frequently Asked Questions

Is Modern Millionaires worth it in 2026?

For most people, no. The training is legitimate and some students profit, but the five-figure cost, the no-refund policy, the thin real margins on paid ads, and the heavy client churn make it a poor first move for beginners. It's best suited to people with capital to risk and real sales experience.

How much does Modern Millionaires really cost?

There's no public price — you get it on a sales call. Recent reports put the programs from about $2,500 for the do-it-yourself tier up to roughly $10,000 for done-with-you and as much as $25,000 for the top "Diamond" tier. A cheap intro funnel (sometimes $49) gets you on the call. Budget for ongoing ad spend and the Leadific subscription on top.

Is Leadific the same as GoHighLevel?

Essentially, yes. Leadific is a white-labeled version of GoHighLevel resold under Modern Millionaires' own brand, at around $399 a month. It's marketed as exclusive software, but multiple buyers report it's a rebranded version of GoHighLevel with a markup and some reliability issues tied to its Twilio phone backend.

Are Chance and Abdul still in business?

Yes. The core Modern Millionaires platform is still active, and according to recent reviews the founders also market under newer brand names focused on AI. The business model remains the same: lead generation and paid-ads agencies for local clients.

What are Halal CEOs and The AI Owners?

Both are real, currently operating coaching programs. Recent reviewers claim Chance and Abdul are behind them, leaning into AI automation and niche audiences, and Halal CEOs uses very similar "done for you" marketing to Modern Millionaires. I couldn't confirm the common ownership from a primary source, so treat it as a reported claim rather than a confirmed fact.

Does Modern Millionaires offer refunds?

No. All sales are final. A few reviewers report getting refunds, but most refund requests in the public reviews went unanswered. Don't invest money you can't afford to lose.

How long does it take to make money with a lead generation agency?

Realistically three to six months at minimum, often six to twelve, before you're profitable — and that's if you land and keep clients. You'll need a buffer to cover ad spend and living costs during that ramp, since the business is anything but instant or passive.

Is local lead generation still profitable in 2026?

It can be, but it's harder than it was. Ad costs keep rising, LinkedIn outreach is saturated, and Google's own Local Services Ads now compete directly in many of the niches these courses recommend. It's a viable business for the right person, but a tough, competitive one for a cash-strapped beginner.