This MONEY GURU Keeps Getting into Debt 🤔

Oh Sarah Waldrop, I have followed her for about 7 years and I met her personally about 5 years ago. From then on I thought she was a really sweet person and we became close but I cannot stand by the things she is doing to people online. From becoming close with her 5 years ago and trying a few of her "money making opportunities" I have learned that most people have unfortunately lost their money in the end. Now I am speaking out about it to put my personal experiences and information online to help everyone make an informed decision on these "opportunities".

So let's dive into talking about debt shall we! Since I have followed Sarah for so long I have seen her post about many things over the years. Recently I saw her posting about having credit card debt; which makes sense because when I was doing these opportunities with her most of the time they lost money and you had to use your credit card as a backup.

I know she was recently working on starting a clothing line so it could be from that but she has since stopped talking about that. Now she has seemingly moved on to another opportunity that seems scammy in my opinion.

This is where my Brain 🧠 goes: if you are consistently losing money in opportunities and in debt how can you give others advice on this?

I had seen posts about how she was down on her luck, stating things such as she had lost most of her income, she wasn't feeling well mentally or physically.

About once a year for the past 7 years I have followed her, she will post about a new opportunity that is supposed to make a large amount of money (usually 10k or more) and change your financial destiny !!!!

She has historically posted about many different aspects of finance giving advice in many different areas to her 54,000 followers on Instagram.

I had to stop and think this year that if these tips, practices, opportunities were so good why does she keep ending up in a bad place? Does she have the knowledge and skills necessary to help you manage your money sustainably if she can't do it for herself?

What do you think would you take her financial advice?

Unfortunately after seeing her post about her credit card debt and losing 90% of her income it got worse. She used this narrative to try to sell her UBC course which is a part of the MRR scam that is going around. BUT WAIT I also bought a course from her for $500 years ago which was VERY similar to the course she is selling now. Looking back buying her course the first time was stupid and a huge waste of money.

I did it to support a friend but it ended up being very basic almost useless information that I could find in posts on TikTok, Instagram, Google.

I have lots more information about this individual and I have a list of the scams she has previously pushed here are some of the scams and names they operated under:

Eaconomy

Market Hackers

Wealth Accelerators

Forex Trading scams

Crypto Trading scams

Xifra

and many other mlms

Before writing this I had asked her genuinely what happened to cause her to lose so much financially before she started pushing her "UBC MRR" course which stands for (ultimate branding course with master resale rights another scam I will get into on my next post) and she responded by blocking me.

OH and I forgot to add that the UBC course she is selling isn't even her own its from another girl @ jasmiineelizabeth on Instagram who is a notorious IG scammer and has been covered by YouTube commentators in the past / investigated.

Should I write more posts like this about the scams within the financial industry? Let me know in the comments 👇🏻

#personalfinance #business #finance #debt #financialfreedom #makemoneyonline #incomestreams #Lemon8Diary #shareyourthoughts #storytime

2024/3/6 Edited to

... Read moreIt's truly disheartening to realize that someone you once admired, like the "money guru" I followed, might not have your best interests at heart. My journey, seeing firsthand how she could claim "$20,000 CREDIT CARD DEBT BEWARE" while simultaneously pushing "opportunities," has opened my eyes to the deceptive practices prevalent in the online financial world. It leaves you wondering, how can someone who struggles themselves genuinely guide others to financial freedom? My personal experience with "sarahprofits" and her various ventures, including a course very similar to the "UBC - The Ultimate Branding Course" she's now selling, taught me some harsh lessons. If you're out there looking for legitimate ways to boost your income or manage your finances, it's crucial to be aware of the red flags. First, be incredibly wary of anyone, even a seemingly successful "YOUR PROFIT PAL," who consistently promotes "get rich quick" schemes. If they promise you can make $10,000 or more with minimal effort, that's often a major warning sign. True financial growth usually requires consistent effort, learning, and patience, not a magic bullet. I’ve seen these promises play out as Eaconomy, Market Hackers, or Forex Trading scams, where the only profit seems to be for those at the top. Another massive red flag is a lack of transparency about their own financial standing, especially when giving advice. As I mentioned in my story, it raised serious questions when I saw my "money guru" posting about significant debt while still promoting lucrative courses. How can someone genuinely offer sound financial advice if their own house isn't in order? This inconsistency should make anyone pause and critically evaluate their claims. Be cautious of schemes that rely heavily on recruitment or require you to purchase a course with "Master Resale Rights" (MRR) to then sell to others. Often, the real product isn't the valuable information, but the right to sell the course itself. This can quickly spiral into a pyramid-like structure where only a few at the very top truly benefit. My frustration grew when I realized the "UBC" course being sold now felt eerily similar to the basic, overpriced information I bought years ago, which I could have found for free. Before investing your time or money into any online financial opportunity, do your due diligence. Don't just rely on testimonials found on the guru's own page; seek out independent reviews and opinions. Look for information about the individual's past endeavors – do they have a history of switching between different "opportunities" that fizzle out? Question everything. If they block you for asking honest questions, as happened to me, that's a clear indication that they may not want their methods scrutinized. In a world filled with alluring promises, protecting your financial well-being means being your own best advocate. Learn to distinguish genuine advice from marketing hype, and remember that real financial freedom comes from informed decisions, not from blindly following a "money guru" who might be deeper in debt than you are. Trust your gut, and if something feels off, it probably is.

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If you want to give advice on debt at least build a good track record of managing it well first. 🥰

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Books on saving money ✨
Budgeting & Personal Finance 101 ! I found them at Barnes & Noble yesterday while out avoiding buying more books 😂😘 #brokebooklife #buyingbooks #budgeting #personalfinance
Kelliii 🤎

Kelliii 🤎

1173 likes

How to pay off debt with a weekly budget
This is your sign to take budgeting serious for the last 6 months of the year ! Setting up your July budget just got ten times easier 🩷 Using this digital budget planner makes organizing your bills and spending ten times easier! My whole game plan is set for July ! Full video and plan c
JaliyahKreation

JaliyahKreation

74 likes

A debt collection letter from Lockhart, Morris & Montgomery, Inc. for $992.00, with handwritten notes stating "I refuse to pay," "I don't owe you," "I want you to leave me alone," and "cease and desist." The text "Turn debt into a check" is overlaid on the image, illustrating a method to challenge debt collectors.
Turn debt into a check
Ima show you how to turn a debt collection letter into a check. When a debt collector send you a letter that looks like this? Write this on the front or back preferably the front and wait for them to reply if they do reply saying anything other than they’re ceasing communication or they sent your f
Ra Heem

Ra Heem

4 likes

The image features the title "5 ChatGPT Prompts Every Girl Needs to Plan a Debt-Free Year" in black text on a pink irregular shape, set against a fluffy white background with blurred perfume bottles. The Lemon8 logo and user handle are at the bottom.
The image displays a ChatGPT prompt for creating a debt payoff plan using the snowball method, along with its usefulness for a clear, step-by-step approach. The text is on pink shapes against a blurred, sparkling background.
The image presents a ChatGPT prompt to reduce monthly expenses by $300 for debt repayment, highlighting its usefulness for actionable money-saving ideas. The text is on pink shapes against a blurred, sparkling background.
5 ChatGPT Prompts to Crush Debt in 2025
Ready to make 2025 your year of financial freedom? eady to make 2025 your year of financial freedom? These 5 ChatGPT prompts will help you create a personalized plan to tackle debt and build the life you deserve. Save this post for later and start crushing those debt goals today! Let’s celebrat
Life Hacks And Wallet Wins

Life Hacks And Wallet Wins

56 likes

A brown wallet rests on a pile of US dollar bills, posing the question: 'Save Money or Pay Off Debt ?'
A brown wallet on US dollar bills with text stating there's no 'Correct' answer, as it depends on one's unique situation, followed by 'Here are some things to consider...'
A brown wallet on US dollar bills with text listing reasons to 'Pay off debt if...' including high interest, improving credit score, or debt causing stress.
Should you pay off debt or save money?! 💸💳
One question that is asked all the time is when you get extra money should you pay off your debt or should you start saving your money? Well, the answer is that there is no right answer. Every person situation is different and unique, but there are some things that you can consider. You shou
Kylie 💸🫶🏻

Kylie 💸🫶🏻

449 likes

Save Money or Pay Off Debt??
@Welcome Baddies The optimal approach balances accelerated debt paydown, especially high-interest debt, with building an emergency fund in case of income disruptions or large expenses. Evaluate interest rates, investment returns, and cash flow to determine the right debt vs. savings split for y
Welcome Baddies

Welcome Baddies

183 likes

Pay Off Debt FAST
@Welcome Baddies To get out of debt fast, make a comprehensive plan listing all debts and repayment strategies. Cut expenses drastically and use that money to pay more than the minimum payments each month. Explore options like debt consolidation loans or balance transfers to reduce interest c
Welcome Baddies

Welcome Baddies

93 likes

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