Let’s Talk About MLMs: Why They’re Predatory (and How to Say No Without the Guilt)
We’ve all had it happen. An old high school friend slides into your DMs with “Hey babe! I’ve got an amazing opportunity I think you’d be perfect for 😍✨” and before you know it, you’re being pitched an “easy side hustle” selling wellness shakes, leggings, or skincare.
Let’s be clear: this is not a business opportunity. It’s a multi-level marketing scheme (MLM), and they are built to benefit the people at the top, not you.
🚩 Why MLMs Are Predatory
MLMs sell the dream of financial freedom, flexible income, and being your own boss. But the reality? Most people lose money, not make it.
You're expected to buy the products yourself, often upfront.
You're encouraged to recruit your friends and family, turning personal relationships into profit opportunities.
Success stories are rare. Studies show that less than 1% of people involved in MLMs turn a real profit.
They're designed to look empowering. But they’re built on pressure, manipulation, and often, financial loss. Hard pass.
🛑 How to Say No (Without the Awkwardness)
If someone you know tries to recruit you, you’re allowed to protect your peace and your bank account. Here’s how to shut it down politely but firmly:
1. “Thanks for thinking of me, but I’m not interested.”
Short. Simple. No further explanation needed.
2. “I’m focusing on my own goals right now, so I’m not taking on anything new.”
Gives a boundary without being confrontational.
3. “I’ve done some research and MLMs just don’t align with my values.”
Honest, and opens the door for respectful discussion if you’re up for it.
4. “No, thank you.”
Because no is a full sentence.
Trapped in an MLM? Here's your way out.
You were promised flexibility, freedom, and financial independence. But if your MLM isn’t delivering, and you're left with debt, pressure, or guilt…it’s okay to walk away.
Our free MLM Exit Toolkit gives you the practical steps, scripts, and support to leave with clarity and confidence. No shame. No judgment. Just real help from people who get it.
TL;DR?
MLMs might sound empowering on the surface, but they’re often financially and emotionally draining. This is especially true for women, who are the primary targets.
You don’t owe anyone your time, your money, or your network. Protect your finances, protect your energy, and remember: you’re already enough without needing to sell overpriced tea to prove it.
If you want more about MLMs, we have the playlist of curated podcasts just for you!
***Please remember our blogs aren’t intended as financial advice - they’re intended only as a starting point to give you a little extra info! For more in-depth advice catered to your personal financial position, please see a certified financial advisor.