About Me

It was a slow week, I was at my desk at the dealership. 

My phone dinged so I checked it to see an email which I initially shrugged off as a spam/fishing attempt. But something came over me, I felt instantly dizzy, almost felt out of body. The email was from my bank, it said…

Your account has been seized by court order…

I frantically tried logging in, my fingers hitting the wrong keys as my hands shook. After a few attempts, it was confirmed, this was real.

Let me back up… I had just bought my home in a dream neighborhood, my second child on the way, and bills pilling up. I was working as a Financial Advisor for one of the nations largest banks, but my business had stalled and although I was making a small 6 figure income, it just wasn't enough if I wanted to have my wife stay at home with the kids.

I was always getting calls from “headhunters” trying to get me to leave and go to another bank/program, but up until then I didn't take those calls. But now I was scared and searching. So I took one of those calls. The recruiter pumped me up “with signing bonus and first year projected commissions you are in for a huge payday!!” But at the interview with the actual company and the offer was not as exciting… Dud…moving on..

Then…

Another recruiting call, it happened to be from a bank/program mentioned in the last interview. I recall that hiring manager saying, out only competition really is Bank X in that last interview. Ok, so this is bank X calling and they actually do seem to have a very aggressive “signing bonus”. The hiring manager took me out for a drink to give me the news, they want to hire me, they are offering me a pretty big upfront $$ “signing/transition bonus” sign here, sign there…

It all hinged on me bringing over most of my client base. OK.. I had a very good shot at that, even worst case scenario I would be in decent shape with a better program for my clients and that had a better payout for me…so win win.

Then…

Cleint's I had worked with for years, hand holding and caring for didn't want to follow me to Bank X…Oh no, stress…feelings of doom… But I kept at it, calling, working my old book of business…

Until…

A few months in at the new company and news started to break… Bank X lied to clients, Bank X under investigation for this and that…. Now the few big clients I had ready to transition over stopped taking my calls… Now I was in a spiral…I spent money from the bonus on advertising (bad advertising), I spend the money from the bonus on keeping up my day to day and monthly bills (the credit card companies and banks must have loved me, never late) You see this was a full commission role, and now that I didn't have that base of customers that paid residual fee income, I was using that “bonus money”…

It was bad, REALLY BAD. I was so scared, my “boss” wouldn't respond to my calls or emails, probably because he missed out on a bonus since I didn't bring in the assets I was on the hook for… It was getting worse and worse. My mind was so clouded and I was in so much despair, I just kept trying the same thing thinking I was doing something different and all the while that “signing bonus” dwindled. I stopped looking at my bank account I knew it was numbered. I'd be running out of $$ and without that income built back up, I would be left not able to pay my credit cards, my car loans, MY MORTGAGE…

So I Had To Escape..

I quit. But you see all that sign here and sign there I did that night when I was promised the moon, was a promissory note, I had handcuffs to that firm for 8 years for the “bonus” to mine 100% free & clear. Now they wanted it back pro-rated for the year I was with them… What did that mean? I owe/owed a lot of money to them and they wanted it NOW. I tried working out a payment plan, but they wanted half upfront…I don't have half I said, they said oh well. What can happen I asked, we may go after your assets and your house…

So almost a year later and many un-answered collection calls and un-opened demand letters. They confiscated my bank accounts (not like I had much money in them).

Then….They sent a letter to my “new” job, in a different industry {since now I can no longer work in the Financial Services Industry in that capacity) saying they have a court order to garnish my pay 10% until the debt is paid in full…

Why Am I Sharing Such Raw, Real, Personal Information With You??

Well, it is who I am. I have had so many ups and downs in life but I have found that inner power to regroup and refocus. Too bad I didn't search out mentors earlier when I had more money to invest… But I can't change the past, nor do I want to dwell on it.

Right NOW I am very happy to say I am rapidly building my online business even as I work a “job” full-time. I have been mentored by (Dan Lok) and work with (Brendan Mace, Jono Armstrong…) some of the biggest and best in the industry and being very budget conscious I have found ways of getting started without wasting a ton of money..

I have started to dig out and I see the light at the end of the tunnel. I've had many $100+ and $200+ days with my affiliate business and I want to share the tools and courses I use to do that.

The first step is to start taking action. I have teamed up with an expert in generating traffic to affiliate offers. He has a free step by step training that will get you set up. After that I will share more tips and options. Go to https://the.mjpaparazzo.com to sign up for the Free Course