Modern Millionaires Review: Is Chance and Abdul’s Course Worth $8,000?

Let’s start with the number that stops most people in their tracks: $8,000. That’s what Modern Millionaires will cost you to enrol in their main programme. No refunds. And that’s before you factor in the software subscription, the ad spend, and the upsells that reportedly go as high as $25,000.

Modern Millionaires — created by Chance Welton and Abdul Farooqi — teaches you how to build a digital marketing agency running paid ads (Google and Facebook) for local businesses. The business model itself is real. Local paid ads agencies exist and can generate serious income. But there’s a significant gap between what the marketing promises and what the reality of this programme delivers — and there are enough Trustpilot complaints and Reddit posts to make that gap worth examining closely.

This is the full, honest breakdown.

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Key Takeaways

• Modern Millionaires teaches you to build a local digital marketing agency using Google and Facebook paid ads
• Pricing starts at approximately $5,000–$8,000 for the core programme, with upsells reportedly reaching $16,000–$25,000
• No refund policy — multiple Trustpilot complaints cite being locked into debt contracts
• Income testimonials in marketing show revenue figures, not profit — ad spend is a substantial cost that’s not transparently disclosed
• The “passive income” claim is false — running a paid ads agency requires ongoing active management
• Chance and Abdul have rebranded multiple times: Millionaire Middleman → Officeless Agency → Modern Millionaires, and now also operate as “The AI Owners” and “Halal CEOs”
• The business model works in the hands of skilled digital marketers; it is not a beginner-friendly path to quick income
• Not a traditional scam, but the pricing structure, misleading testimonials, and multiple rebrands raise legitimate concerns

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Who Are Chance and Abdul?

Chance Anthony Welton and Abdul Samad Farooqi are two digital marketers who met in 2014 as students in Dan Klein’s Job Killing programme — a local lead generation course that produced several course creators in this space. After learning organic lead generation from Klein, they pivoted to paid ads and built their own agency, Beachwood Marketing.

Their relationship with Dan Klein ended acrimoniously when they launched their own coaching programme. Klein felt they’d violated terms around using his methods commercially — a dispute that reflects ongoing tensions in the “course creator teaching other people to be course creators” ecosystem.

Between them, they claim to have generated over $10 million through digital marketing. That claim is plausible given the scale of their student base and agency work, though it encompasses their course revenue as much as the paid ads model they teach.

Chance is the public-facing personality — high energy, good on camera, built for sales. Abdul is quieter and more technical. Together they’ve built a genuinely large operation, with a Facebook community of around 6,000 students at its peak.

The Rebrand History: Why It Matters

This is one of the things that puts the most critical reviewers on alert.

Modern Millionaires has not always been called Modern Millionaires. The programme went through the following evolution:

Millionaire Middleman → Officeless Agency → Modern Millionaires

And more recently, Chance and Abdul have been operating under additional brand names: The AI Owners (pivoting to AI agency positioning) and Halal CEOs (targeting a Muslim entrepreneurship audience). At least one Trustpilot reviewer explicitly called this out: “They are operating with two different names now — The AI Owners and Halal CEOs — innocent people continue to fall victim to their unrealistic promises.”

Multiple rebrands aren’t automatically suspicious — businesses evolve. But a pattern of cycling through brand names while maintaining the same underlying high-ticket no-refund structure is worth knowing about. If you search complaints under one name and find nothing, it doesn’t mean complaints don’t exist — they may just be under a different name.

What Modern Millionaires Actually Teaches

The programme is structured into four core modules:

Module 1 — Foundations. The business model overview, mindset framing, understanding the paid ads agency opportunity, and how to think about client acquisition.

Module 2 — Prospecting and Sales. How to identify target clients (typically high-ticket local service businesses: lawyers, dentists, roofers, HVAC companies), outreach scripts, email templates, proposal frameworks, and how to close deals. This is the part of the programme that requires significant cold outreach — phone calls, emails, DMs. If you’re not comfortable with sales and rejection, this will be a steep learning curve.

Module 3 — Google Ads Training. Campaign setup, keyword research, ad copy, bid management, conversion tracking, and optimisation. This is the core technical skill the programme teaches.

Module 4 — Facebook Ads Training. Audience targeting, creative strategy, campaign structures, retargeting, and lead generation campaigns on Meta.

Bonus content includes SEO training, Kindle publishing (which feels out of place), a 7-figure proposal template, and access to the private Facebook group.

The Leadific CRM software — a white-label GoHighLevel product — is sold separately at approximately $399/month. This is positioned as the software you’ll offer to clients, but it’s an additional cost not included in the core programme fee.

The Income Claim Problem

Modern Millionaires’ marketing features testimonials of students making $10,000, $15,000, $18,000 per month. These numbers are prominently displayed and are the main conversion lever in the sales funnel.

Here’s the problem: these figures represent revenue, not profit.

Running a paid ads agency means you’re spending your client’s ad budget — or in some models, your own money — to generate leads. A student showing $18,000/month in revenue is almost certainly spending $9,000–$12,000 in ad spend to generate that. Their actual profit might be $6,000–$9,000. Still not bad, but it’s materially different from the impression the testimonials create.

One reviewer put it plainly: the testimonials don’t make clear that most of the money shown goes back into paying for ads, so the real profit is much less. That’s not disclosed in the marketing.

Beyond that, getting to $18,000/month in a paid ads agency requires closing multiple clients at $1,500–$3,000/month each, managing their campaigns actively, proving ROI to justify renewal, and dealing with the inevitable churn as some clients cancel. It is a real business that requires sustained, skilled effort — not a passive income stream.

The Passive Income Claim Is False

Multiple reviewers across multiple platforms have called this out directly: a paid ads agency is not passive income.

Passive income means money flows in without active ongoing effort. Running Google and Facebook ad campaigns for clients requires daily monitoring, weekly reporting, ongoing optimisation, regular client communication, and constant new client acquisition to replace churn. This is closer to a demanding freelance job than a passive income stream.

Modern Millionaires’ marketing implies — sometimes explicitly — that you’ll build passive income. That claim is misleading for the business model they’re actually teaching. Contrast this with rank and rent or affiliate sites, which — once built and ranked — genuinely require minimal maintenance.

Pricing and the No-Refund Policy

Modern Millionaires does not publish its pricing transparently. Based on multiple independent sources, the pricing structure looks approximately like this:

There is no refund policy. Multiple Trustpilot reviewers report being sold on the DFY option with promises that the team would “run the business for you,” only to find themselves unsupported after 90 days and blamed for lack of results. One reviewer described spending $25,000 and being left with nothing more than a GoHighLevel setup and calendar funnel — tools available for free on YouTube.

The debt contract issue is particularly concerning. Some students report being encouraged to take out loans or financing to cover the programme cost — meaning they’re in debt from day one, with no refund option if the programme doesn’t work for them.

What Trustpilot and Reddit Say

Trustpilot shows mixed reviews across 379 entries. Positive reviews — and there are many — describe the training as solid, the community as helpful, and specific coaches like Carlos as genuinely supportive. Students who invested time in the Google Ads training and built their outreach systematically report real results.

Negative reviews follow consistent patterns:

• Being sold on DFY with promises of team support that didn’t materialise
• Being encouraged to take on financing/debt to join
• The programme teaching Google Ads in niches already dominated by Google Guarantee (which makes paid ads from non-guaranteed advertisers less effective)
• Refund requests going unanswered for months
• The community Facebook group being less active than marketed

Reddit is more uniformly skeptical, with the programme appearing in several “fake guru” discussions and posts about high-pressure sales tactics.

The Google Guarantee Problem

One specific technical criticism that appears in multiple reviews deserves highlighting.

Modern Millionaires teaches students to target popular local service niches: roofing, pest control, plumbing, HVAC. These are all covered by Google Local Services Ads (Google Guarantee) — a verified business programme that appears at the very top of Google search results above standard paid ads.

When a searcher in these niches sees Google Guarantee listings above the standard paid ads your client is running, your client’s ads get less visibility and lower click-through rates. Students were reportedly not warned about this before choosing niches, and found their campaigns significantly underperforming expectations as a result.

This isn’t a fatal flaw in paid ads as a model — it’s a tactical challenge that experienced PPC managers know how to navigate. But for beginners following the programme’s niche recommendations without this context, it’s a source of poor results that feels like being set up to fail.

Is Modern Millionaires a Scam?

Not in the traditional sense. The business model works, Chance and Abdul have real digital marketing expertise, and some students do achieve significant results. The Google and Facebook Ads skills taught in the programme are genuinely marketable.

But “not a scam” is a low bar. The concerns here are substantial:

• Misleading revenue-not-profit testimonials
• False passive income framing for an active service business
• No refund policy on a $5,000–$25,000 purchase
• Debt financing encouraged
• Multiple rebrands across multiple brand names
• DFY promises not delivered
• Niche recommendations that create Google Guarantee conflicts

These aren’t incidental flaws — they’re structural features of a high-ticket funnel optimised for sales rather than student outcomes.

Pros and Cons

Who Is Modern Millionaires For?

Modern Millionaires could work for someone who:

• Already has solid digital marketing fundamentals and wants structured agency training
• Is genuinely comfortable with high-volume cold outreach and sales
• Has $8,000+ available without needing to take on debt
• Is fully aware that this is an active service business requiring daily work — not passive income
• Has researched the Google Guarantee issue and has a strategy around it

It is not suitable for complete beginners who expect quick results, anyone relying on the DFY tier to do the work for them, or anyone who cannot absorb the loss if the programme doesn’t perform as marketed.

Frequently Asked Questions

Is Modern Millionaires a scam? Not technically — the training content is real and some students get results. But the misleading testimonials, no-refund policy, false passive income claims, and multiple rebrands make it a programme to approach with serious caution.

How much does Modern Millionaires cost? Approximately $5,000–$8,000 for the core programme, up to $25,000 for the DFY option. Plus Leadific CRM at ~$399/month. No refunds.

Who are Chance and Abdul? Chance Anthony Welton and Abdul Samad Farooqi, two digital marketers who learned lead generation through Dan Klein’s Job Killing course. They run Modern Millionaires and also operate under the brand names The AI Owners and Halal CEOs.

Does Modern Millionaires teach passive income? No — despite marketing claims, running a paid ads agency requires active daily management. It is not a passive income business.

What is Leadific? A white-label version of GoHighLevel CRM that Modern Millionaires students are sold separately at ~$399/month and offered to clients as their software product.

Has Modern Millionaires been rebranded? Yes — it was previously called Millionaire Middleman and Officeless Agency. Chance and Abdul also now operate The AI Owners and Halal CEOs under related models.

Final Verdict

Modern Millionaires is a high-ticket programme teaching a real business model — paid ads agency work for local businesses. Chance and Abdul know their subject. The training content is legitimate.

But at $8,000 with no refunds, misleading income testimonials, a false passive income framing, known issues with recommended niches, and a documented history of rebranding, you are taking on substantial financial risk for uncertain reward. The programme is optimised for its own revenue more than its students’ success.

If you’re set on the paid ads agency model, there are lower-cost alternatives that teach the same skills. If you’re still exploring which online income model fits you best, read my guides on affiliate marketing for beginners, how to make $5,000 a month online, and best passive income ideas before committing to anything.

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