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Cash Flow 101 System Review (2023): Is It Legit Or A Pyramid Scheme?

Last Updated: April 3, 2023
By: Hope
By: Hope
Welcome to my Cash Flow 101 System review. My goal is to answer common questions like: how much it costs, if it's a scam, & if you can actually make money with it. The end goal is to help you understand if it's a good fit for you personally, and if there are any better alternatives out there.
Cash Flow 101 System Review


This Cash Flow 101 System review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

What I Liked

What I Didn't Like

Before we get into it... who am i?

Always good to put a name to a face, so firstly, my name is Hope!

Like you, I was stuck working 8-10 hour days building someone else’s dream.

I worked at one of those cool tech companies that has omelet stations for breakfast & craft beer on tap for after hours.

To a lot of people that’s a dream, but to me… something was missing.

All I really wanted, was to actually enjoy life – more vacations, less stress, buy myself nice things without worrying about the cost… but that was something my 9-5 couldn’t provide me.

That was until a few years ago when I discovered a way to make money online by actually helping real people. 

People in this case were local business owners across the US.

Me and My Puppy

The page above is an example of how I do it. That one-page site generates $1,500/mo and I haven’t even touched it since it was put up.

That’s an $18,000/year raise from just one page.

That’s why local lead generation is my #1 business recommendation for recurring, semi-passive income. If you want to learn about that business model, click here.

Important: I am not an affiliate

for Cash Flow 101 System

Why Does That Matter?

A lot of course reviewers have no experience with any of the business models or programs they review, and so they’re just making stuff up.

They do that because they want you to click through their link to buy from the person that the review is about!

They have no clue what it’s actually like to run the type of business Cash Flow 101 System is teaching you to do.
I have absolutely no relationship with Cash Flow 101 System, so you can rest easy knowing that I’m going to give you my honest opinion
This review is written based on my own experiences with MLMs.

All that being said, let’s jump into things.

Passive income may be generated in various ways, thanks to the abundance of online business options. Blogging, stock market investment, affiliate marketing, social media marketing, and the creation of online courses are just a few of the numerous opportunities for making money online.

Many people would want a chance to improve their cash flow and escape the rat race.

Of course, we only want to go with the legitimate ways to earn passive income on the internet, and we don’t want to fall trapped into a scam or a pyramid scheme.

Now, I do want to be totally up front here, so…

MLMs like Cash Flow 101 System are a bit of a mixed bag. They CAN be a legitimate way to make money, but some have a reputation for literally ruining people’s lives – so it’s important to know what you’re getting since each one is unique.

Like most of my readers, you were probably introduced to this one via a friend or some influencer you trust online.

And it makes sense why so many people recommend them:

Making money outside of a 9-5 can be… life-changing, to say the least.

So in this article, I want to help you explore two things:

  1. If MLMs are actually a worthwhile business to pursue
  2. If Cash Flow 101 System is a worthwhile MLM

Before that, I want to clear the air on something.

There are A LOT of people out there who bash all MLMs in any form, but I’m not one of those people.

Instead, I want to genuinely educate you about them so you can make an informed decision on how to proceed.

If you’re unfamiliar with what MLMs actually do:

They’re businesses in which you pay money to a company for the ability to sell their products.

Sometimes the products are kind of decent (I still remember my mom throwing pampered-chef parties when I was younger).

Other times the products are really poorly made and come with a high price tag.

Typically, the only way to really make money is to get people (mostly friends & family) to sign up with you for a recurring subscription.

If the product is 100% legitimate & valuable, it’s entirely possible to get people to sign-up and continue paying you.

If the product is subpar, you’ll usually burn those bridges kind of quickly and end up with $0 coming in each month.

The biggest issue I’ve seen is that this puts significant stress on your personal relationships, as you’re reliant on selling to your “network.”

Think about it: if you KNEW that every time your friend Sally called, she’d be trying to sell you on one of her products… you’d eventually stop answering Sally’s calls.

Now, this doesn’t mean MLMs are outright bad… it means you need to know what type of MLM you’re getting yourself into before you sign up.

Again, some MLMs provide real value to people, but MOST don’t – and so in this article, I’m going to explore what the case is with Cash Flow 101 System.

But before that, I want to ask you a question: what if there was a way to build actual recurring, semi-passive income?

Income that:

  • Doesn’t have inventory
  • Doesn’t make you sell to your friends & family
  • Doesn’t force you to recruit people onto your “team”

Something that you could make anywhere from $2,000 – $10,000 with consistently, month after month?

A stream of income that you can build as high (or low) as you feel like building it?

If that sounds interesting, you might want to think about becoming a Digital Landlord.

If you wanna see what Cash Flow 101 System looks like on the inside, keep reading.

13 Things You Need To Know About Cash Flow 101 System:

Learn More About Cash Flow 101 System
what you need to know written by hand, hand writing on transparent board, photo

What Is The Cash Flow 101 System?

What Is The Cash Flow 101 System

Using the Cash Flow 101 System, you can earn money online. Depending on the membership level you pick, you may opt from one of four different compensation plans.

  • Level One – you will earn $1,500 per membership
  • Level Two – you will earn $3,500 per membership
  • Level Three – you will earn $6,500 per membership
  • Level Four – you will earn $9,500 per membership

Who Created The Cash Flow 101 System?

Unknown Creator

Because its developer is unknown, it’s imperative that you thoroughly investigate this entire process to determine if it’s a simple method of generating passive income or just another online money-making scam.

How Does Cash Flow 101 System Work?

How Does It Work

Using the “One Up Pay Plan” compensation plan, a pyramid scam, you may make money by inviting others to join and having those referrals recommended by even more people.

As long as you bring in new members, you’ll have a steady flow of money. In essence, that’s how this program will allow you to earn money online.

How Is It A Pyramid Scheme?

Is It A Pyramid Scheme

According to the compensation plan, this is a pyramid scam in which the only way to make money is if someone else pays for a membership like you paid for it.

I can’t call it a fraud since it gives you money, but only if someone else also buys.

Can You Make A Lot Of Money Online Through The System?

Not Easy To Earn Money

It’s possible. Many people are quite wary of losing their hard-earned money to online scams, so creating a successful business in this endeavor may not be easy.

Is It A Worthwhile Online Business Opportunity?

As a result of this program’s promotion, they want to persuade you of the following: if you pay for it, it’s simple to get members since they’ve got a staff to perform the job on your behalf.

Generating Leads

Generating Leads

The thing about this, though, is that you don’t need to talk to anyone and all you have to do is to pay for exposure, and there is a team who will take care of generating leads for you.

Email Marketing

Email Marketing

Once a lead leaves their email address, they will get automated messages inviting them to join and pay for membership.

Can You Earn Passive Income From Cash Flow 101 System?

Earn By Convincing Others To Join

Even though their website makes it seem like you may market the program easily because they promise to handle all of the leads, you should exercise caution. You won’t be able to get your money back and generate money online if you don’t do the job yourself and convince others to take advantage of the offer.

Is It The Same As Robert Kiyosaki’s Game Cash Flow 101 By Rich Dad Company?

Robert Kiyosaki Cash Flow 101 Game

This Cash Flow system is distinct from Robert Kiyosaki’s Cash Flow 101 game. Of course, it may confuse because the product names are similar. However, if you check their sales page, you’ll know they are quite distinct as it’s not a game. It’s a scheme.

Is Cash Flow 101 System For You?

Is Cash Flow 101 System For You

If you think you’re good at convincing people to invest in this kind of pyramid scheme or money-making internet scheme, then it’s for you.

As long as you’re transparent about what this program is about and you don’t lure people on something different from what it promises, then you can offer this program at your own risk.

Are There Any Success Stories In Cash Flow 101 System?

No Information About Success Stories

There is very little information on this Cash Flow 101 System and I don’t even know who the creator is. Therefore, I can’t say if there are any success stories for this program.

Would You Recommend Cash Flow 101 System?

Digital Landlord Better Than Cash Flow 101 System

I personally don’t recommend this program simply because the creator is unknown. It’s just too shady to invest in something that I don’t have much information about. I always ask myself, “if this is a good product, why are they hiding who created it?”

What Are The Risks In Investing In Cash Flow 101 System?

There Is A Risk Of Losing Money

Like in any investment, the risk of losing money is always there. But for the sake of this review, I can say that the risk is really high because the creator is unknown and there is little information about this on the internet.

If you’re an aggressive risk-taker solely in it for more money, then this is for you.

Are There Alternatives To Cash Flow 101 System?

Other Business Models To Choose From

Yes, there are plenty of MLM companies to choose from if you want to pursue this business model. Here are just a few:

Is The Cash Flow 101 System Legit Or A Scam?

Other MLM Companies To Choose From

So, time for the $1,000,000 question: is Cash Flow 101 System a scam?

No, not technically. They aren’t going to run off with your money and not give you what you paid for. It’s 100% possible to make money with this program.

That being said, it’s not nearly as simple as they want you to think it is.

There’s A LOT of work to be done upfront, and no guarantee that you’ll be successful. The commissions are also fairly small.

Don’t get me wrong, I’m all for doing hard work now, so that I can reap the benefits later.

But if you’re going to work really hard for 3 months, and your reward is a $100 check… it’s not really a great opportunity.

If I’m gonna do that, I want the rewards to be HIGH and virtually guaranteed.

I’d rather put in that same 3 months of work (in my spare time) & build a handful of Digital Rental Properties that each produce $500-$2,000 checks every single month afterward (AKA recurring income).

And the cool part is that you can do it in a lot less time than 3-months (I personally did it in my first 2 weeks of being a Digital Landlord).

Unlike with MLMs, you can do it from anywhere in the world, so it’s a genuine “laptop-lifestyle” business.

All you need is an internet connection.

Some of my friends are Digital Landlords that run their 6-figure businesses from:

  • Camping trips at national parks
  • Beachfront in Hawaii
  • On the road in a camper van (with a pet pig!)

They focus on living an enjoyable life first, and focus on income second. All thanks to this program

They can take weeks or months off, and money keeps rolling in.

Living happily is the top priority.

If the thought of living perpetually at your dream vacation spot interests you, being a Digital Landlord might be for you!

What Is My #1 Recommendation To Make Money Online In 2023?

Make Money Online With Digital Landlord

I’ve personally tried all of the major online business models:

  • I’ve sold fidget spinners through Amazon FBA
  • I’ve dropshipped a toilet bowl putting green on Shopify
  • I’ve sold women’s health supplements via Clickbank affiliate marketing

And I made money with all of them, so trust me when I say: there is no “perfect” business model.

I’ve also been on the other side of old friends trying to sell me their fancy new MLM products.

That being said, my #1 recommendation for making real money online is, hands-down: being a Digital Landlord.

Whether you’re a complete newbie, or you’ve been around the block before but have never had that “big win” to propel you forward, becoming a Digital Landlord is for you.


Time: If you’ve got a spare hour-or-two each day, you can do this. If you want to drop everything and go all-in, you can do this. More time obviously means faster results, but even putting in a few hours per day is enough to see real success.

And because of that flexibility, you don’t need to trade your time for money. Once the income starts, it’s recurring.

That means you can take a month off, travel the country, pursue a passion project, chill on the beach, or charter a boat across the world.

But you can only do that once you’ve created an income stream that doesn’t require YOU to be there all day, every day.

Ownership & Control: With MLMs, you don’t really “own” anything – everything belongs to the MLM.

If you read the contracts, they can kick you out at any time, or change your commission at any time (it’s happened in a few high-profile MLM cases recently).

Why pour your soul into a business that could be taken away from you at the drop of a dime?

When you’re a Digital Landlord, you literally own all of the assets, which means you have ultimate control.
Big Margins: With MLMs, you’re often going to have really slim margins. That means you need to have a VERY large network to make serious money. This usually entails spending A LOT of money on ads and other methods for recruiting members.

Being a Digital Landlord, your profit margin is nearly 100%. Watch here to learn how.

Just a reminder: these Digital Rental Properties are worth (at a minimum) $500/mo in semi-passive income. And each time you create another one, your income increases, and the effort put into creating the next property decreases.

Best case scenario, you have properties bringing in over $3,000+/mo on auto-pilot.

It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…

If you wanted to double your income with an MLM, you would need to sell twice as much inventory. And I can guarantee you, that’s a lot harder than a few clicks & a phone call.

You’re Helping REAL People: My biggest gripe with MLMs is that you’re likely going to ruin your personal relationships.

The MLM may have convinced you that you’re actually helping people, but it’s often not really true.

But when you’re a Digital Landlord, you’re helping solve REAL problems that people are ASKING for help with:

Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If you can provide those customers, they’re going to be really happy – and they’re going to pay you for it.

You’re helping a struggling mother or father put food on the table for their families, put their kids through college, or simply live life a little bit more comfortably.

Having this type of impact on the world is what will help you sleep soundly at night.

So, the rest is up to you. You could keep looking at other MLM programs like Cash Flow 101 System, which might make you money 12 months from now.

You could keep researching and researching for the next few months (or few years), never making a concrete decision.

OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision to ACTUALLY make it happen, just like it has for thousands of other students before you.

Making a fortune while actually helping real people that need it.

If this sounds like you, click here to see how it all works.

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Hi, I'm Hope!

I make over $20,000/mo thanks to this platform… check it out below!