A group of people recently pitched me a multi-level marketing scheme (HGI)—basically an agent-based model where you sell financial products, earn commissions, and those commissions are distributed across multiple levels.

Their main pitch? “How to make a million dollars in three years.” Honestly, it was laughable. These schemes are just arbitrage on financial illiteracy—the less financially educated you are, the more likely you are to fall for them.

In my mind, the path is pretty clear. If you’re truly looking to build wealth over the next 3–4 years, the safest and most effective option is Bitcoin:

• Buy Bitcoin,

• Self-custody it,

• And let time do its work.

If you’re willing to take on slightly more risk, the next best option is to buy public companies that have adopted a Bitcoin standard—where you can benefit from 1.5 - 2x Bitcoin’s price movement. For example: MSTR (Strategy) stock.

No MLM scheme comes close. No pitch beats that.