Modern Millionaires Review (2026): Is the Agency and MM SaaS Model Worth the Price?

Modern Millionaires in a Nutshell

Modern Millionaires is a coaching company run by Chance Welton and Abdul Farooqi. Its main program teaches you to run a small "officeless" marketing agency that manages Google and Facebook ads for local businesses. A second offer, often called MM SaaS or the "MM Income App," is a partner program where you resell lead-management software called Leadific to businesses.

Both offers are expensive. Drew's Review, updated in May 2026, reports that the agency program has no public price and runs from about $2,500 to as much as $25,000 depending on the tier. Wifi Hustlin reports an entry fee of about $18,995 for the SaaS partner program. All sales are reported as final. The business models are real, but you would be paying a large amount upfront for coaching in a competitive, sales-heavy business.

Who Are Chance Welton and Abdul Farooqi?

Chance Welton and Abdul Farooqi are entrepreneurs who learned lead generation and marketing services in the 2010s. According to Drew's Review, Abdul started Samad Consulting in 2013, and both learned lead generation around 2014 through a program run by Dan Klein, known for "Job Killing." Ippei and Drew both report that the partnership with Klein ended in a dispute over his revenue share. Each side tells the story differently.

They launched their own program in 2019. Drew's Review says it used earlier names, the "Officeless Agency" and "Millionaire Middleman," before becoming Modern Millionaires. Ippei reports company claims that students have generated more than $120 million and that more than 400 earn six figures. Those figures come from the program itself and are unverified.

What Modern Millionaires Teaches

The core program is a business-in-a-box for running a paid-ads agency. You find local businesses, manage their Google or Facebook ads for a monthly fee, and outsource much of the work. Ippei lists the course modules:

Drew's Review explains the economics. Agencies typically keep about 10% to 20% of a client's ad spend as their fee, and clients need $1,000 to $3,000 a month in ad budget. Headline figures like "$10,000 to $30,000 a month" refer to gross revenue, not profit, according to Drew.

What Is MM SaaS (the "MM Income App")?

MM SaaS is a separate partner program built around Leadific, a lead-management and CRM platform. Drew's Review describes Leadific as a white-labeled version of GoHighLevel, priced at around $399 a month or $3,990 a year. For comparison, Drew's image notes that GoHighLevel itself starts at about $97 a month.

According to Wifi Hustlin, the partner program works like this:

• You apply and, if accepted, pay a partner fee of about $18,995. One section of its review cites $19,000.
• You sell Leadific to local businesses, with the founders reportedly helping with leads and appointment setting.
• You can earn up to about $299 a month from each business you sign, depending on that business's plan.

Wifi Hustlin says the model "gives off multi-level marketing vibes" and advises avoiding it, while noting that the software itself is not a scam. It also reports a 2.7-star app store rating with many one-star reviews. Drew's Review notes reported reliability problems with phone numbers, which it ties to Leadific's use of Twilio.

Leadific vs. GoHighLevel

"White-labeled" software is software that one company builds and another sells under its own brand. GoHighLevel lets agencies do this: they can rebrand its CRM, funnels, texting and booking tools and resell them to clients. Drew's Review says Leadific is one of these rebranded versions.

That matters for anyone weighing the MM SaaS partnership. A business owner, or you, could subscribe to GoHighLevel directly from about $97 a month, according to the comparison Drew cites, compared with about $399 a month for Leadific. The extra cost pays for the brand, setup and any support the partnership provides. Before you commit to reselling it, ask what clients get from Leadific that they could not get by subscribing to GoHighLevel directly.

A Quick Payback Check

Using Wifi Hustlin's figures, and assuming you earned the maximum $299 a month per client, you would need about 64 client-months of commissions just to earn back an $18,995 fee. That could be, for example, about five clients for a year. Your real result depends on how many businesses you sign and keep, which is the hardest part of any agency or SaaS business.

How Much Does Modern Millionaires Cost in 2026?

Modern Millionaires does not publish prices. Here is what independent reviewers report:

Montoya challenge (one-time)$5

DIY program$2,500

Done-with-you program$10,000

MM SaaS partner fee$18,995

Diamond tier$25,000

Drew's Review says students report paying anywhere from about $4,500 to $25,000. On top of that come tools, freelancer costs, possible software subscriptions and the time spent prospecting.

Refund Policy

Ippei says Modern Millionaires does not offer refunds. Drew's Review says all sales are final, though a few reviewers report receiving refunds. On a purchase of thousands of dollars, a no-refund policy is the single biggest risk to weigh.

Controversies and Complaints

Ippei summarizes five controversies: misleading testimonials, client churn, saturated LinkedIn outreach, lack of asset ownership, and the dispute with Dan Klein. Other complaints reported by reviewers include:

• A Better Business Bureau complaint describing a "misleading sales campaign" for courses and coaching (Ippei).
• A Reddit user reporting that course videos and the website were removed (Ippei).
• Trustpilot reviews describing lost contact with coaches, and one claimed loss of $15,000 (Ippei).
• A BBB profile that is not accredited, with an average customer rating of about 1.88 out of 5 (Drew's Review).

The Realities of Running a Paid-Ads Agency

An ads agency can be a genuine business. But the course marketing tends to underplay a few realities:

• Sales is the job: you need a steady pipeline of local business owners willing to pay a monthly fee, which means outreach and calls.
• Client churn: if ads stop producing results, clients cancel, and you have to replace them.
• You manage other people's money: poor results reflect on you, even if you outsource the work.
• Saturated outreach: Ippei notes that LinkedIn outreach in particular has become crowded with agency pitches.
• You do not own the asset: unlike a website or email list, an agency's value depends on keeping clients.

How Students Find Clients, and Why It Is Hard

The course teaches prospecting through LinkedIn, cold email and cold calling, according to Ippei. Each channel works, but each has drawbacks:

• LinkedIn outreach: fast to start, but business owners receive many similar agency pitches, which lowers response rates.
• Cold email: scalable, but deliverability rules and spam filters make it harder every year.
• Cold calling: often the most effective for local businesses, but many people find it uncomfortable to do every day.

Most students need to contact a large number of businesses to win a single client. Then the agency has to deliver results to keep that client. Ippei lists client churn as one of the program's main controversies. When you compare the coaching price with your expected income, factor in that you will likely lose and replace clients over time.

Questions to Ask on a Modern Millionaires Sales Call

1. What is the exact price of each tier, and what does each include: calls, done-for-you work, software?
2. Is there any refund or cancellation policy at all, and can I see it in writing before paying?
3. How many hours a week do successful students spend on outreach in the first six months?
4. What are the ongoing monthly costs for software, freelancers and tools?
5. How many students who joined in the last year have kept at least three paying clients?

If the answers are vague, especially on refunds and typical outcomes, treat that as useful information.

Other Brands Linked to the Founders

Drew's Review notes that the founders also market programs called "The AI Owners" and "Halal CEOs," but says it could not confirm common ownership from a primary source. If you see these names in ads, research them separately and do not assume they share Modern Millionaires' terms or pricing.

Is Modern Millionaires a Scam?

Drew's Review rates Modern Millionaires 3.0 out of 5 and says it is not a scam. Drew also addresses whether it is an MLM or pyramid scheme, and does not conclude that it is. None of the reviews we checked report FTC action or lawsuits. The agency training covers a real business model.

The concerns are about value and risk: unpublished, high prices, a no-refund policy, heavy reliance on sales outreach, and a SaaS partner program with an entry fee that would take many client-months to recover.

Pros and Cons

Who Modern Millionaires Is For

It may suit someone who already enjoys sales, has thousands of dollars they can risk on coaching, and wants a service business managing ads for local companies. It is not a good fit for anyone looking for passive income, anyone uncomfortable with cold outreach, or anyone who would need financing to pay for it.

A Lower-Cost Way to Start Online

If Modern Millionaires appealed to you because you want to earn from digital marketing without a traditional job, consider testing a lower-risk model first. With affiliate marketing, you promote other companies' products with your own content and earn commissions. There are no clients to sign and no five-figure entry fee.

We point most beginners to Jonathan Montoya's low-cost challenge. In a few days, it shows you how to build a funnel, set up email follow-up and drive free traffic, so you can learn whether online marketing suits you before spending thousands. Our full challenge review covers the details.

Other Programs Readers Compare

• Agency Navigator review: Iman Gadzhi's agency program.
• Local Marketing Vault review: local marketing services training.
• Growth Cave review: Lucas Lee-Tyson's agency-focused program.

Frequently Asked Questions

Our Verdict on Modern Millionaires

Modern Millionaires teaches a legitimate service business, but it asks for thousands of dollars upfront with no refunds. Your results then depend on finding and keeping clients, and the SaaS partnership has a five-figure entry fee. Unless you already know you love sales and have money you can afford to lose, start with a low-cost way to learn online marketing first.