How To Create Wealth 2022 with Matt Sapaula, Sheena Sapaula and Jorge Pelayo

[@suburbantwaan]

I pray everybody reading this will be Succesful

[@nickyricardo7034]

Bless you

[@christianbell193]

God bless you and may you be successful as well!

[@andreasmith443]

“At some point if you don’t come from a wealthy family, a wealthy family has to come from you.”- J.Pelayo

[@kimbroussard6038]

I agree🙌

[@zeal4god402]

AMEEEEEEEN

[@sbritnney]

💯🌊💫💎✨

[@ashwinrugjee5787]

I have a better opportunity for you With real ownership and retirement program

[@randylooney]

​@@zeal4god402¹1¹1111100

[@angelmedrano1762]

Seeing where this company has gone from 2009 to today, 13 years later is incredible!

[@titonothere6179]

What you mean? they just lost thousands of agents to FFL. They still making their agents write positive comments so it looks like they’re a fine company? Come on that’s been de-bunked already.

[@ceciliasegeda8641]

@@titonothere6179 What is FFL?

[@titonothere6179]

@@ceciliasegeda8641 Hahah! I see you’re well trained. FFL, is the fastest BY THE NUMBERS the fasting IMO in the industry. It’s taking out competitors left to right.

[@ceciliasegeda8641]

@@titonothere6179 ok so what's the name of the company 🤔

[@titonothere6179]

@@ceciliasegeda8641 ask your upline.

[@markcassara]

Sell me the dream guys… sell me hope again… sell me the fact that I can do anything! I love PHP Agency!!!

[@yourstrulybostonyourstruly3185]

🤣🤣😂

[@ashwinrugjee5787]

I have a better opportunity for you With 100% ownership book of business+ agency + a piece of the company itself. Higher compensation plan. Realistic promotion requirements

[@ashwinrugjee5787]

Sell the dream but living a nightmare 😁

[@markcassara]

@@ashwinrugjee5787 I’m living my dream! So are tens of thousands of others!

[@ashwinrugjee5787]

You building a business for someone else you will never have ownership of it. Book of business is not ownership of the business let's be clear on that

[@greddabrumell6106]

Great source of PART TIME INCOME and have State license to insure my family wealth , thank you !

[@ashwinrugjee5787]

I have a better opportunity for you With 100% ownership book of business+ agency + a piece of the company itself. Higher compensation plan. Realistic promotion requirements

[@TheKandidKate]

When Jorge said what his dad told him about Jorge being able to buy that dream house, I hollered really loud, woohoo! What a great dad. Semper Fi!

[@Jredman9]

Yyy😔😲😔😔😔😔🧐

[@Jredman9]

😱😱🤢🙌🏽

[@ogobby]

PHP Agency is a multilevel marketing company, meaning that it makes money when people recruit lower-ranking members, who then funnel their sales commissions upwards. Agents move up through the ranks based on their recruitment rates, according to a 2016 PHP fact sheet on “compensations and promotional guidelines.”

[@williamromero9989]

Yes and they make it seem like becoming a millionaire will happen over night, to top it off all the skills and knowledge he gained in the military and her at school in a degree of Marketing and Finance is also what lead to “higher” probability of success.

[@WayneP93]

You have made more posts than anyone else on this channel and I'm going to gather all your posts into one response and would like to address your lack of correct information. 1. I can tell you're not quite educated on what a pyramid scheme is and what the difference is between MLM and a pyramid scheme. 2. PHP agents don't get paid for recruiting, they get paid by multibillion dollar companies selling financial products. 3. Why are you using fact sheets that are 6 years old???? 4.. I can tell just by your attitude, constant complaining and your youtube profile of what kind of life you live. I got 3 words for you, "you", "are", "broke". I bet some of these guys make more money in a day than you do in a month by helping protect families financially.

[@anthonyholland4269]

Exactly I was apart of One of these at my construction job but it was even worse because I out work my boss and his boss for years never made even close to what they made. And to make matter worse I found out that they had people over them making money of my work as well so I quit 🙃🫠

[@amadeus4k]

Nobody makes money from recruiting in PHP. Money doesn't filter upward to line the pockets at the top while keeping agents poor at the bottom. 🤣 Licensed agents get paid what they are supposed to, at their commission level, ONLY by writing life insurance policies. Any money made is ONLY done by writing life insurance policies. Agents can promote to higher levels based on recruitment rates (that you don't get paid for) and total dollar amount of life insurance policies written by an agent (that they do get paid good commission for!). PHP Agency is a Network Marketing company with high standard and high standings, and anyone here to smear this company with ignorant misinformation like you have obviously doesn't know anything about the company and how it functions. PHP Agency represents insurance carriers who have been around since 1848. These companies will not risk their long-standing good reputation to work with any company who scams or does wrong. You are just part of the "bandwagon" of "know-it-alls" who know nothing, but you put yourself out there like this to feel self-validated by people who ignorantly agree with you about something they also know nothing about. Or you are one of our competitors who just like to try smearing your competition because you don't like losing reps to a better company (happens a lot on social media and KZbin!). If you don't really know what you are talking about, or you are one of our unethical competitors, then go find something better to do with your life. Your ignorant input here isn't needed. 🤣

[@brehaley969]

PHP is a Financial Marketing Organization. People do not make money from recruiting anyone. They only make money when they sell insurance policies.

[@antoniomcneary]

Great company, fantastic culture, no politics. The one thing that stood out to me the most about this company is they always think about how fast the person on the bottom can rise to the top if they're willing to be coachable, aligned, and hardworking.

[@HankHacksHackers]

00:00 Matt Sapaula Intro 02:25 What is a Business Owner? 04:31 Average Home Price 05:01 Cost of Federal Minimum Wage 14:26 Choosing the Right Platform 15:07 Why Would You Consider Choosing PHP Agency 20:30 Sheena Sapaula Intro 21:58 Three Types of Income 27:25 Jorge Pelayo Intro 28:00 Industry Vs PHP 34:42 The PHP Platform 37:39 Market Timing 39:04 How We Get Paid

[@legion6232]

Great presentation, guys! This is the best video explaining our business yet. Love this company and everything about it! So glad I made the jump from a traditional life insurance company to PHP Agency back in 2018. Looking forward to a great year in 2023, and expanding my team exponentially in multiple states and Puerto Rico. Let's get it, and help more families!💪🤑

[@TheWholeDamnShow007]

So you went from making 100% commission to 30% starting ?? Might as well gone to WFG atleast they have real home name insurance companies

[@nolanmorrow1198]

I’m so impressed and I definitely want to be a part of PHP !

[@jordanalvarado1852]

Have you joined yet? If not then what would be a good number to reach you?

[@marcusdeans6517]

I WILL be a first generation cash flow Millionaire!!

[@nickyricardo7034]

How'd it go?

[@joshuawilson1407]

No you wont

[@davionagamble2626]

Well what happened

[@thecarpenterandhisdaughter2350]

@marcusdeans6517 are you a millionaire?

[@Cilla501]

Thank you for this amazing opportunity!!

[@jamaicavillanueva4822]

Very grateful presentation, i salute you sir for the wonderful ideas and very excellent explanation about the life insurance for saving the best future of each family,

[@victor4advice]

What is not discussed here is how do they get their clients. And if you want to build an agency, how will those agents get their clients. I think it's go out and recruit a bunch of people and have them sell their family and friends and try to recruit the family and friends as well. Not a good plan. This only works well for most people if they have a good way to get in front of clients without hitting up family and friends. Yeah, you can let them know what you do and if they have questions...but not make a list and start calling people up out of the blue to sell them something and/or to recruit them. And going into debt buying a bunch of leads is not the best either. Not saying MLM is bad. But almost all MLMs operate the same way....recruit everyone around you, hit up family and friends, try to turn them into sales people, etc etc. And you better believe those IULs they are selling won't be designed that well. They will be designed with the highest target premiums they can get which makes for a poorly designed policy that will probably lapse some day, or never produce the cash value they could if designed the right way. And when you go selling them to people who can barely scrape together $250 a month, you will see a lot of those policies lapse down the road because those people aren't real savers and they will not want to keep paying a couple hundred a month. This presentation is all sizzle and no steak. Not saying a few will not make a lot of money. But I wonder how many started with PHP and dropped out. And starting someone with a 40% contract is ridiculous. If you want to do this, have at it. You may make it big...but be aware.

[@meekappletini1702]

You're absolutely right!

[@brehaley969]

Social Media is how I get my clients and I have yet to encounter anyone designing an IUL with a premium target in mind. Max funded is best for the client, not necessarily the agent.

[@ednab.9001]

@@brehaley969what tier are you in? All these MLM have the same structure and work for about 10-15 years and then they start to tear down because everyone has already exhausted family and friends. I hope you are doing well and hope you become one of the few that make it. My friend invited me but I know these mom’s all too well, but wish you all the best.

[@ednab.9001]

I agree, I know how these MLM works…. I know everyone is rehung to make money…. You make great points and are all points I can confirm as well. But wishing for the best for those that want to try, sadly only the ones that recruit are the ones that make the money and will loose if those recruits start to leave and then it becomes a vicious cycle because you have to recruit more and more.

[@victor4advice]

@@ednab.9001 Yes...building an insurance business based on recruiting is bad. You have to develop a system to generate targeted leads on a consistent basis. Then you can bring on some quality people and either feed them the leads for a reduced commission, or show them how you are marketing and take an override. This way you can have a small agency of six figure earners, and everyone is making great money. Then family and friends see what you're doing and ask you about the products.

[@ceciliasegeda8641]

That's what my family tells me all the time to give up because I suck at sales but I am still trying.

[@U_FEHP]

DONT GIVE UP…i thought I sucked at sales too but really my issue was with people and relationships…simply just having natural conversation with the intention to really get to know them and what they wana do in life

[@TkT8PR]

Care to update your situation please? Thanks

[@ceciliasegeda8641]

@@U_FEHP yes, I do believe this is my issue. I get social anxiety.

[@ceciliasegeda8641]

@@TkT8PR I actually had a set back. My husband passed. I am working on my and sons mental health.

[@U_FEHP]

@@ceciliasegeda8641 i'm the same way but i know getting out of that comfort zone is gona be worth it... it just takes practice like anything else...you havent already, you should read "You Are BadAss" by Jen Sincero and "BadAss Habits"

[@PhoenixLifeGroup]

Thank you Matt great information!

[@DGCIRL]

I'm overwhelmed ❤️🇯🇲🤝🏾

[@jasoncoleman6327]

Love the positive comments.

[@SkyCandyVisuals]

So it’s basically a pyramid scheme but through financial insurance. Very good presentation here. Me myself a hobbyists video editor I couldn’t help but notice the polished transitions and sound effects. Nice touch. 👌🏾 I’m here in Houston and was contacted by an individual at a gas station. Maybe he saw something in me maybe he was just trying to push this message to the masses idk but I like what I heard here. I’ve been tired of working for a corporation that restrains me from exponential growth.

[@LeadershipofHope]

Sick video. Thank you!🙏

[@KingKong-fv2eg]

I pray everyone will be safe out there. It sure is a scary world these days. I see the same sharks from 2008 and they're still trying.

[@henrycumberlander1459]

Absolute awesome presentation 👍🏾 L👀KS like PHP has a great culture and leadership there. I am impressed.

[@ligiaborlean4718]

Are you in the PHP family?? 😃

[@Iam.Miriamrivera1959]

Incredible Thank you!!

[@laylowhauler8544]

THIS IS A COMPANY FOR ME...THE VIBE WAS AMAZING AT THE (PHP)Agency Orientation... FrFr

[@dr.lindsayghannam]

Why so many BBB complaints that have not been properly addressed?? Aren’t you all embarrassed about that?

[@peacefaith560]

ikr pyramid insurance scam

[@ivanjimenez7829]

I love the video its awesome thanks for doing it

[@ShibaHamamatsucho]

did patrick tell you to copy his speech patterns and mannerisms?

[@Jrlryan1333]

This video is insane I love it

[@brandy.-um4cu]

please don't ignore red flags like i did... do your research through their own disclosure agreements from company page, BBB

[@certifiedjo]

Elaborate

[@janicekillingsworth3826]

Love it 🔥🔥🔥🔥🔥

[@Motivationstation-qg5xq]

In god I trust , god bless everyone and hope the best for everyone ✝️

[@arinyakhamphoumy8706]

This video is amazing!!!!

[@OscarLopez-sh3lo]

Thank you so much 💪🔥👍

[@marcusarline3564]

Good stuff (Speaking for myself).

[@ogobby]

DO you sheep truly believe that EVERYONE who does this will be wealthy? Mathematically, that is not possible.

[@JAG869]

P...y...r...a...m....i...d.

[@sharonkemp3029]

Air Force Veteran in the house thanking you for your service ❤️❤️❤️❤️💃🏽💃🏽💃🏽💃🏽👏🏾👏🏾👏🏾👏🏾🇺🇸🇺🇸🇺🇸🇺🇸

[@ashwinrugjee5787]

Some people call themselves pastor over there and yet have the gut to look you in your eyes and lie to you about the business structure.

[@LghTsKnJames]

I can not stop laughing rn. These MLM people give me the same feeling as JW hahah

[@zacharystiegler3701]

Wow MLM has grown so much, congrats!

[@GreetingsWithFire]

Start a MLM scam that enriches those at the top is their formula

[@nix1one]

Everything is a scam including 9 to 5: 00's. Everything is a pyramid scheme. You just got to figure out where you fit in and where you're going to start.

[@olgaondush2808]

Great video..working on my license 👍I have to work here!!!

[@rayofbeautyy]

Let’s get you started 🙂

[@olgaondush2808]

@@rayofbeautyy Hello and thank you for reaching out.

[@jeremeolson5555]

As of July 2022, it still stands #1

[@Kata-s1v]

Do your research, they only pay 30% of commission...

[@tibisayhuerta]

But it's not true that the minimum wage is $15, is worse... 😕 Most of the States keep having $7.25 minimum wage. The $15 keep being a promise... 🙄

[@davionagamble2626]

Commenting because I’m going to do it and let you guys know if it’s real

[@Iamiamme3]

Well?....

[@Uematsu92]

​@Iamiamme3 He joined, lost all his money to scam and BS, and can't reply to you because he out on the streets now 😂😂😂

[@JohnFrancoFit]

Loved it..

[@do7744]

Once I become a millionaire buying this guy product, I will invest with Grant Cardone.

[@maskedvigilante909]

I hope this works🙏

[@ashwinrugjee5787]

He never said that they have to recruit 400 people to be able to reach at 80% commission 🙊🙉🙈

[@ogobby]

Does no one else find it odd that they talk about "selling the product" yet never tell you what the product is? Did no one else notice the part when Jorge mentions getting licensed? Yep. You need to BUY IN to even TRY to have a piece of this. No legitimate income source requires you pay to get into it. None. I truly feel sorry for any idiot who falls for this pitch

[@joshuaandrew]

While I may agree with the fact that this pitch is one of many that I’ve seen that sell a dream of sorts, I must disagree with your last point. Lots of viable sources of income require licensing that you pay for. Real estate for example

[@legion6232]

Omar, apparently you've never started a business before. lol The description of the video talks about what industry we are in, Life Insurance, which is mentioned multiple times throughout the video. So what product do we sell? Duh, LIFE INSURANCE! LOLOL If you are going to lie about a video, be a better liar and actually watch the video so you know what to lie about. If you go to 15:15 or 18:25, or many other spots in the video, Life Insurance is mentioned. Financial Services is also mentioned multiple times. As far as geting licensed... So the requirement to get a license to do business somehow makes what we do illegitimate? Again, you've never ran a business or been in a business which requires licensing. Guess who else has to get their license before they can write business and make money? Claims Adjusters, Mortgage Brokers, Realtors, Financial Advisors, Travel Agents, General Contractors, HVAC Techs, Doctors, Nurses, Massage Therapists, Physical Therapists, Accountants, etc... the list is enormous. Many of these people go off to create their own business through an LLC, which also costs money to register. They need to advertise, possibly get equipment, hire people and get business insurance. Now we are talking dumping money into starting a business before they even get started. So, are these businesses now illegitimate because YOU say so? LOL When I first got started into Real Estate Wholesaling, I paid upwards of $7K total over 3 different courses to learn how to do it properly. It cost me money to get an LLC, business cards, website, signage and a CRM before I made a dime. I also took the real estate licensing course, which by itself at the time cost almost $400 (not even including the cost of taking the test to get my license). I made all that back and then some on the first 3 property sales! In order to start ANY business and be successful in your own business, YOU ARE GOING TO HAVE TO "BUY IN" TO GET A PIECE OF THE PIE!! Now, all you people on here commenting negatively DO NOT KNOW WHAT YOU ARE TALKING ABOUT. You just like complaining or spreading misinformation you heard somewhere. Happens all the time! Life Insurance is one of the best industries to be in, or any kind of Financial Services company. This company is awesome because I get to truly make a difference in the lives of others, in a legitimate business representing insurance companies as old as 175 years, and make a great income doing so WITH HARD WORK. I build for myself, and I help others build their business, help them make great money and get where they want to go in life. I help clients, and I educate people regardless of whether they buy a policy or not. Nothing is built on the backs of anyone. Just like I told you from my other account (Amadeus4k)... You are just part of the "bandwagon" of "know-it-alls" who know nothing, but you put yourself out there like this to feel self-validated by people who ignorantly agree with you about something they also know nothing about. Or you are one of our competitors who just like to try smearing your competition because you don't like losing reps or clients to a better company (happens a lot on social media and KZbin!). If you don't really know what you are talking about, or you are one of our unethical competitors, then go find something better to do with your life. Your ignorant input here isn't needed. 🤣So just stop already LOL

[@peacefaith560]

red flag !! this is a insurance scam i read the BBB complaints and reviews

[@aliciacamille636]

So this is straight commission not an actual paying job?

[@brehaley969]

​@@aliciacamille636this is not a salaried role but you do get paid for the policies that you write.

[@harrycorrea2547]

I Want To Leave This Comment Here, And See If I Ever Took Action In The Future

[@MILTONC7785]

You will 👏🥇

[@ashantiwhite5094]

Absolutely you will, Harry !

[@reaperofdc666]

Did you?

[@harrycorrea2547]

@@reaperofdc666 i actually started, i joined and it felt like it was a “pyramid scheme” type of thing about selling life insurance, the more people you invited the more money you would make (invite them to sell life insurance) unless you recruited people and then you would make a commission on whatever they sold. Maybe it works, maybe not, its just not my thing i think

[@reaperofdc666]

@@harrycorrea2547 yeah its a MLM, there are plenty of MLMs out there and they arnt inherently bad but they can be hard to progress in. The person who sent me here didn't really know me, they just said "hey we both from -city name-" and he looked familiar so I replied to there message and they ended up asking if I wanted to make more money. Video link sent. It was weird because they kept bringing up that they knew I liked Jordan peterson (which I do) but I'm not sure what JP has to do with an MLM. I also find diversity for the sake of diversity cringe af and thats all through this video. Just a weird situation

[@WandaBey]

Matt was a United States Marine so he doesnt come from a sales background. Thats what he ment

[@AwesomeCanadianHomes]

This company is just a MLM company lol

[@nickyricardo7034]

In response to the guy talking about his, his wife's, and Jorge's racial/ethnic backgrounds I'm part Cuban, Egyptian, Cameroonian, white and Native American.

[@catherinethegreatsgroceryasmr]

MLM!!! 😳😳😳

[@manueldelatorre6310]

9-5 for 40 yrs 🤪

[@markcassara]

Pro football, churches, colleges all recruit... they must be MLM too... lol

[@Fernando20233]

Lol broke people

[@Fernando20233]

KZbin is MLM they make money from your videos then years later you can make money IF you become successful IF

[@manueldelatorre6577]

@@karennyeley1063 typical Hate from a QUITTER. 😭

[@glb360]

LOL You have to "qualify" to tour a home in Beverly Hills, CA as these homes are not open to the public where anyone can just walk in.

[@nickyricardo7034]

@21:39

[@dionysgarcia8468]

Pay everybody 100% to 150% commissions so that they can make living.

[@blabla903]

What the fuck did I just watch.

[@Mishkafofer]

MLM pitch with accentuated approach to minorities.

[@kushnir456]

The financial market has been a really tough one this past months, but I watched an interview on CNBC where the anchor kept mentioning “…DAVINA NORMAN…”. This prompted me to get in touch with her, and from October 2021 till now we have been working together, and I can now boast of $15k in my trading portfolio

[@sarah-lp2oc]

Right research, properly evaluation and success is what you want to make earnings on this steady market.

[@elwynphineas9498]

I earned more this year because I have been investing while working at the same time. I invested through Mrs Davina Norman, same woman that the anchor kept mentioning on CNBC, and made multiple of my start up capital within three months . She lives here in the USA and she is licensed.

[@cinziaabbruzzese4101]

That's massive. Can you please connect me with your personal broker, I would love to get in touch with her?

[@kushnir456]

[@RickyAvelino]

Business and Investor. 🤓

[@joshuawilson1407]

This guy is copying g from Robert Kyiosaki lol

[@ashwinrugjee5787]

There is no transparency in this company. Try to find information on this company structure How much agents start at How much they have to recruit to get to the top level Promotion requirements And ownership And the list goes on and on. This is a big red flag. Transparency is key.

[@peacefaith560]

exactly all that talking and whare are you selling

[@TheWholeDamnShow007]

1st min hes already lying! What does he mean he doesnt come from sales or the industry? He came from WFG he was there for years he even did shady business there and got his license revoked!!! Man, there’s nothing but lairs at php!

[@WandaBey]

Before DFG, he was a United States Marine. So he is right he doesn't come from sales. Oh, you didn't know that I see!!

[@shyrellwisdom459]

I found it

[@brandonsc9025]

You guy spend all this time training to recruit, and rather than a deeper understanding of the mechanics for a universal whole or an indexed annuity. It's really messed up to only pay them 30%, while the company takes 120%, and make people kill themselves to make 50%. Most places will start you at 80%

[@suburbantwaan]

Then Go work for the companies that start 80% and tell me how it's going.

[@brandonsc9025]

@@suburbantwaan I decided on a company that pays 60% with the ability to make 100% through quarterly bonus. They paid pre education, examination fee, and license application fee. They provide warm and hot leads, which is what sold me. Now it's nkt millions, but it's an easy six figures and I don't have to recruit. That's why I said 30% is messed up. You have to self gen all the business and your upline takes most of the money.

[@iamtakira]

@@brandonsc9025 who are you working with?

[@mknana7865]

Which company did you work for?

[@suburbantwaan]

@@brandonsc9025 I’m sorry but I don’t want a shortcut in life I’m making pretty good money already even 30% in our company is a basic trainee and doesn’t even do much work and still get paid thousands by just helping 2 people in a month at that level of a control

[@danbrennan3461]

MLM

[@LghTsKnJames]

lmaooo these people are goofy as hell. & mija you need something real. Escape

[@Michael-ld2np]

lmfao seriously. just came back from one of their seminars (that they initially advertised as an interview for a job with a salary) and I could smell the BS from the moment I walked in. When I tried asking questions to the new people I was 'meeting' that worked there, they kept finding ways to avoid answering. Weird ass mf's.

[@LghTsKnJames]

​@@Michael-ld2np their business model revolves around nepotism and gaslighting. I think the most disrespectful part of this is that he "served" our country but now swindling the very people he served to serve him. Sales and finance get nasty of course, but this isn't that; its a straight up equilateral triangle

[@Michael-ld2np]

@@LghTsKnJames sheesh you hit the nail on the head

[@chrismiller2055]

huh

[@sandybeach3576]

Sell things that people don't need.😅

[@diananegrete4692]

People stop your negativity!!

[@yourstrulybostonyourstruly3185]

FOH #respectfully

[@RaulRod-vj8ky]

People Helping Patrick thats all. All hype & lowest comp plan in the industry for beginners.

[@INTUITIVEREADINGS557]

How can I get someone to contact me? I have tried sending emails to the admin...and no response. I am Licensed and would like to learn more about this opportunity.

[@dez1914]

@musicpodcasttv if you're interested send me your contact info

[@insurancebylflax]

have you been contacted yet? Are you still interested?

[@ogobby]

The internet is a great place. YOu should read the complaints on their BBB page, people. Yep. someone is making money here. Off of YOU

[@KingKong-fv2eg]

If the opportunity for income is primarily derived by recruiting more participants or salespersons rather than by selling a product, the plan probably is illegal. Several courts interpret greater pressure on members to sponsor new recruits than to market company merchandise as evidence of an illegal pyramid.

[@peacefaith560]

yup i read them , my cousin did this 8 yrs ago !!

[@EsotericPain]

Nah, ive seen this work with my own eyes. Yes you can have only a client, or maybe they could be recruited and want the opportunity to start making money. Or both, usually both.

[@christianbell193]

The complaints are most likely from the people who bought the dream but didn’t put in the work lol this the same internet that came w cancel culture. You don’t get paid to recruit. You get paid on performance.

[@dyyy270]

Money Scam Guy