I don't believe in multi-level marketing (Rat Club), so

so no loss there.

That is not even a well-run Rat Club. The team leader (sales manager?) I met hasn't finished economic (or finance) 101, if he ever took such class at all. Given all the law suit / complain against WFG, you would save yourself some trouble by not getting involved with such ****.

Look, every business has to have its own niche, provide/produce added value along the value chain. WFG is selling something you can get somewhere else for a much lower price. Other firms come with some real professional service that WFG is lacking.

And anytime when your income depends on how many people you can recruit, not on what kind of (or how well) the service/product you can provide? you pick a wrong career, Madam.