CTFO Reviews (2022): Is This MLM the Best or Just Another Scam?

By: Hope
By: Hope
Welcome to my CTFO review. My goal is to answer common questions like: how much it costs to get started, if it's a scam, if you can actually make money with it, & who the founders really are. The end goal is to help you u nderstand if it's a good fit for you, and if there are better alternatives out there.
CTFO An MLM Company

Disclaimer:

This CTFO 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 CTFO

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 CTFO is teaching you to do.
I have absolutely no relationship with CTFO, 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.

Do you want to learn more about CTFO and the business opportunities it offers?

In this article, I’ll look at CTFO to see if it’s the greatest MLM out there and give you an honest review.

I’ll discuss whether CTFO MLM is the best online opportunity for you and your goals.

Finally, I’ll respond to some of the most common inquiries about CTFO and MLM in general.

Most importantly, I’ll teach you the exact technique I utilized to grow my internet marketing business to over $40,000 in primarily passive income every month.

Because it leverages some of the same talents, but in a much more effective and profitable way, this technique made me swear off MLMs for good!

MLMs like CTFO 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 CTFO 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. I am not one of those people.

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

If you’re unfamiliar with what a multilevel marketing company actually does:

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

Sometimes the products are actually 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 kinda 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 CTFO.

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 CTFO looks like on the inside, keep reading.

CTFO Review: What Is Changing The Future Outcome (CTFO) MLM About?

Flagship Product CTFO CBD OIL

Changing The Future Outcome (CTFO) is a health and wellness company. The CBD Oil is their signature product, and the company was launched in 2015.

This CTFO review will go over the ins and outs of the company in greater detail, and I’ll show you the hard facts before you potentially waste your money by signing up.

What Is Changing The Future Outcome?

Stuart Finger CoFounder CTFO

CTFO (MyCTFO.com), a network marketing company formed by brothers Stuart and Steve Finger and Michael Khan, offers a business opportunity in the CBD and Hemp Oil industries. They’re based in the United Kingdom – more specifically, London.

Since the company was rebranded from weight loss to CBD Hemp Oil Products, CTFO stood for Chew The Fat Off.

CO2 extraction is used to make their CBD products. They’re also non-GMO and pesticide-free, and they’re made with the highest-quality organic ingredients that haven’t been heated, or so they claim. They’re also free of animal testing.

CTFO Review: Summary

Join For Free

Name: Changing The Future Outcome (CTFO)

Founders: Stuart & Steve Finger and Michael Khan in 2015

Corporate Executive Vice President: Steve Finger

Type: Health and Wellness CBD Oil – Multi-Level Marketing / Network Marketing

Products (Including Pricing): 20 out of 100

Success Stories: 10 out of 100

Price to Join: Free

  • $19.95 monthly (premium membership)
  • $47.47 “auto-ship” of products monthly (40 out of 100)

Best For: Those that appreciate the MLM business concept and are good at selling and recruiting are the best candidates.

Rating: 30/100

Recommended: NO

Product Review: What Is The Changing The Future Outcome’s Product Line?

Treat Your Ailments With CTFO CBD Oils

CTFO’s products represent the following categories:

  • Health – CTFO CBD oils, healing cream 
  • Anti-aging – hair growth shampoo/conditioner, sun cream, CBD anti-aging serum, massage oil, bath bombs, mud mask, etc.
  • Nutrition – CBD gummies, protein shake, pain relief oil, etc. 
  • Pets – CBD spray, hemp chews, CBD oil

I just want to remind you that the CBD market is already very crowded.

On the other hand, CTFO makes an effort to differentiate itself from its flagship product. CBD OIL products contain CBD. CBD oil can actually be pretty beneficial, so I’ll give them that.

CTFO CBD oil has been found to help with a variety of ailments, including:

  • Pain relief.
  • Cancer symptoms are reduced.
  • Anxiety and despair are diminished.
  • Lowers blood pressure and acne while
  • Lowers diabetes risk.
  • Reduces the symptoms of Parkinson’s disease and epilepsy.

There are a few advantages to taking this regularly for some people.

Furthermore, more research is required to back up some of these assertions, so you may want to take them with a grain of salt.

Changing The Future Outcome (CTFO) MLM Quick Report

CTFO A Health and Wellness Industry

Summary: CTFO is an MLM company in the health and wellness industry that focuses on CBD oil, produced from cannabis, and has numerous health benefits.

Due to high rates and monthly fees to stay “active,” most CTFO affiliates lose money. They can only make money by recruiting a large number of people.

Recommended: No

Can You Make Money With An MLM Company like CTFO’s Products?

You Can Make Money With CTTFO But Digital Landlord Is A Better Option

Yes, you certainly can!

But…

Many people struggle with Network Marketing Companies (MLM) since so much comes with joining. I would compare working for MLM companies to being a hamster running on a wheel, constantly trying to keep up. It’s not a desirable way to work, in my opinion.

Don’t get me wrong…

You can undoubtedly make money with MLM, but if you’re going to put in the effort to learn the ropes (which isn’t simple), you might as well make some real money while you’re at it. MLM companies don’t offer guaranteed income.

Making money becomes second nature when you use the approach that helped me grow my online business to over $40,000 per month.

How To Make Money With CTFO Like Other MLM Companies?

Earn When Your Downline Has Sales

You can earn money as a CTFO associate by:

  • For a 30% commission, you can sell their products.
  • Recruiting new employees and earning commissions from their sales.

NOTE: Recruiting people into this community does not pay you directly. Only the sales of your downline (your recruits) earn you bonuses.

So that means your income depends on other people being as hardworking as you would be – I just don’t think I would put my fate into others’ hands like that.

However, because you must pay $47.47 each month, you can see that the more employees you hire, the more money and bonuses you will earn.

CTFO Compensation Plan 1: Make Money From Sales of CTFO CBD Oil

Earn Retail Commission By Selling CTFO Products

The first way to profit in CTFO is to sell the products directly to customers and earn a retail commission. Each product sold by the brand is marked up by 30%.

This is a relatively high retail commission rate compared to other MLMs such as Hempworx, Emris, and Kannaway.

CTFO Compensation Plan 2: Make Money, Build A Team

Build A Strong Squad

Recruit people and establish a large downline to form a strong squad. Every sale made by your downline will earn you a commission.

In comparison to other MLM companies, it operates uniquely.

The brand will not compensate you for the people you recruit. Only if your downline produces sales will you make money.

How Does CTFO Work?

CTFO has a range of health and wellness products made from their industrial hemp farms.

It offers the opportunity for people to “work from home” to make money by selling products and recruiting people.

With this setup, the company saves monthly marketing costs and on staffing physical stores/offices all over the country.

Should you Buy the Business Builder Pack from CTFO MLM?

Purchasing A Starter Pack

To begin with, it appears that it’s technically FREE... But you’ll need to purchase some things to test and sell them.

So, if you join, they want you to purchase a “Business Builder Pack.” But do you really want to throw away money on something just to test it out? Just imagine how monthly costs can add up once you’ve joined, always needing to “test” the newest product.

Compensation Plan and CTFO Monthly Cost

5 Ways To Earn In CTFO

Their compensation plan is pretty convoluted – about 13 pages of arithmetic, ugh!

But, in case you missed it, here are some significant elements from my CTFO review that explain the payment plan:

The Compensation Plan only pays you in five (5) ways:

  • Income from Retail – 30% commission
  • Uni-level Commissions – incentives for sales made by downline associates (5 levels deep – 20% or 4% depending on downline positions)
  • Matrix Commissions – more bonuses from the downline sales (21 levels deep 1% bonus)
  • Profit-Sharing Positions In The Matrix (PSP’s) – only 3 people below you in the matrix
  • Infinity Bonus and the Top Gun Bonus Pool – more bonuses from your downline

Is CTFO A Pyramid Scheme?

CTFO Not A Pyramid Scheme

Many people wonder if CTFO is a hoax or just another Pyramid Scheme. No, it’s not a pyramid scam because you can make money by selling things and receiving commissions. It’s a legitimate company.

However, for MLM organizations, the better question is… Is CTFO one of those “deceptive pyramid schemes”?

With CTFO, you can quickly develop a profitable and successful MLM business… There are, however, better ways to establish a business than through MLM.

My first choice demonstrates this.

Because, unlike MLM, it genuinely delivers actual proof of real accomplishment from real people who have only been in the program for a few days.

CTFO Reviews: Is CTFO A Scam?

Scam Alert
Scam Alert written on multiple road sign

So, time for the $1,000,000 question: is CTFO 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 up front, 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 Top Recommendation For Making Money Online In 2022?

Digita Landlord Making Real Money Online

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

  • I’ve sold fidget spinners through Amazon FBA
  • I’ve drop-shipped 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.

Why?

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 we 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 CTFO, 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.
  • I’ve drop-shipped 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.

Why?

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 we 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 CTFO, 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.