Living Money Smart Review (Updated): Is Matt Sapaula Legit?

Matt Sapaula is a good ole’ fashioned try hard who thinks that if he dresses nice enough, maybe you’ll trust what he says. He’s made most of his millions funneling people straight into PHP Agency, the life insurance program that was founded by the infamous Patrick Bet David that some have criticized as a pyramid scheme. But in an effort to separate himself a little bit, he thinks he has a business model that can get you making better than full time income in 90 days or less if you were in the military like him and have similar skills.

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As you can imagine, this is ultimately his own funnel for PHP Agency. “But why life insurance?” Matt says. “Not only is it exploding right now but anytime there’s tough times, everybody flocks to certainty, safety, peace of mind. Everybody thinks real estate or stocks or crypto’s most likely to make you a millionaire. No. Really, it’s financial services. We’re recession-proof. We’re pandemic-proof. We’ve been through multiple market crashes. Our clients don’t leave. We don’t expose ’em to risk. We’re the safe money strategy.”

“But the challenge we have inside the life insurance industry is that not a lot of people are talking about us,” the Faith-Made Millionaire author continues. “There’s 340 million people in America, and 150-, 160 million of ’em need our help. But there’s only, what, 40- or 50,000 life insurance agents – to actually go out and help them? So, there’s a high demand for what we do. People just don’t know what they don’t know. We’re here to educate the overlooked and underserved middle income demographic of America.”

People on Reddit would beg to differ. They’d see it as preying on the optimistically naive that don’t know how to spot a scam. But hey, at least PHP Agency isn’t stealing from other companies…they target new people. People like you. “Your dreams deserve to become reality,” Matt preaches. “It took courage to put on that uniform and serve your country. You just need a platform to be able to experience the life you’ve always wanted. By the way, did I mention, the life insurance industry is a passive income opportunity?”

Matt Sapaula Review

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Matt must’ve taken some fast speaking classes. He starts to sound like one of the radio ads guys reading off the terms of an advertisement so people don’t catch on. “Today, my wife is my partner in business,” he mumbles. “We work together, we travel the world together, building offices across the country. We go to our church, raise our family. We build. Our life. Together. So if you want us to help you personally make $18- to $20k a month using this same system? Assuming you can follow basic directions and you’re 100% committed to hitting your income goals and you’re an action-taker and can stick with this for at least 90 days?”

Matt doesn’t complete that thought as you can probably guess. He starts to gloss over all the hoops you’ll have to jump through. Hoops like a background check, insurance exam, secret blood oath of MLM’s…ok maybe I made that last one up. But there’s a lot of hoops for you to jump through. Not to mention he pushes you to hard sell your friends on getting licensed for you and partnering with them. Classic mlm move. PHP Agency will give you all the training and support you need though. Not to mention all the circus like live events that prey on your desire to earn the type of money like those on stage.

“We’re also financially compensated by your success,” Matt admits. “So we’re on the same side of the table as you are. If you’re successful, we’re successful.” Sure, but even if you don’t succeed…they are still succeeding. Why? They’re still getting money from you whether it’s you buying extra training, paying for extra support, dropping money on live events, and whatever other creative ways they figure out to move money from your pocket to theirs. They’ll all still be buying new supercars every year, even if you don’t make a single penny.

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John Reed: As a fellow patriot who’s disillusioned with the 9-5 “American Dream”, I’ve grown to loathe the self-help and “guru” industry.
And here’s what pisses me off about the industry.