Modern Millionaires Review (2026): Is Abdul and Chance's Program Worth It?

If you've spent any time on YouTube or social media looking for legitimate ways to make money online, you've probably come across ads or videos promoting Modern Millionaires — the paid ads agency course created by Chance Anthony Welton and Abdul Samad Farooqi. The program promises to teach you how to run Google and Facebook ads for local businesses, generate leads, and build a recurring-revenue digital marketing agency. With the course price reportedly ranging from $5,000 to $8,000, it's one of the higher-ticket training programs in the digital marketing space — and that price point alone makes it worth a careful, honest look before you commit. This review is for anyone who wants to know what they're actually buying and whether the promises match reality.

Who Are Abdul Farooqi and Chance Welton?

Chance Anthony Welton and Abdul Samad Farooqi are two digital marketers who first connected through an online business mentorship program in 2014. According to their backstory, Chance was down to his last $1,300 when he joined Dan Klein's local lead generation coaching program — then called "Job Killing" — and discovered how to generate leads for local businesses. Within two weeks of joining, he had landed his first client at $2,000 per month. Abdul, similarly, landed his first client just six days after joining the same program. The two eventually built their combined agency income to over $50,000 per month before pivoting to education.

Together, they run Modern Millionaires and have also operated under brand names including "The AI Owners" and "Halal CEOs." They launched their own training program in 2019, initially as a lower-cost product before escalating it to a high-ticket offering. Their student community has grown substantially, and they claim that students in their program have collectively generated over $120 million, with more than 400 students reportedly earning six figures in annual revenue.

Chance and Abdul are also the creators of Leadific, a CRM and agency management software platform they built and white-labeled from the Go High Level infrastructure. The software costs $399 per month and is heavily integrated into the Modern Millionaires ecosystem — a fact worth noting because it creates an ongoing financial relationship between students and the founders beyond just the course purchase.

Their public personas are professional and results-focused. However, their marketing has drawn criticism. There have been complaints — including on Reddit and the Better Business Bureau — about deceptive advertising practices, aggressive sales tactics, and misleading claims about how easy it is to land high-ticket clients. The BBB has registered complaints against the company, and at least one Reddit user reported being told they were buying "software" only to discover the product was a coaching and cold-calling training program. The FTC has reportedly been involved in an investigation, though no formal enforcement action has been publicly confirmed.

What Is Modern Millionaires?

Modern Millionaires teaches students how to build a paid ads lead generation agency that serves local businesses. The core model involves running Google Ads and Facebook Ads for clients in high-ticket service industries — dentists, lawyers, HVAC companies, roofers, chiropractors — and charging those clients a monthly retainer in exchange for delivering a consistent flow of leads. The promise is that once you learn the ad skills and land a few clients, you can build a reliable recurring income stream.

The course is primarily aimed at people who want to leave traditional employment, build a service-based online business without creating a physical product, and leverage paid advertising as a core competency. Abdul and Chance emphasize that no technical background is required, and that their system can be learned from scratch. They market the program heavily on the idea that generating leads for local businesses is a service those businesses genuinely need and will pay well for.

It's worth being clear about the business model's real demands. Despite some of the course's marketing language around "passive income" and "automated agencies," running a paid ads agency is far from passive. It requires daily monitoring of ad campaigns, constant communication with clients, ongoing split-testing, and the ever-present risk that a campaign underperforms and a client churns. The "autopilot" framing in some of the course materials is misleading for anyone who takes it literally.

The program also functions within an ecosystem that includes the Leadific software, which Chance and Abdul own. Students are strongly encouraged — and in practice, almost required — to subscribe to Leadific to run their agencies using the tools taught in the course. This means the financial relationship with the founders doesn't end when you purchase the training.

How Much Does Modern Millionaires Cost?

The core Modern Millionaires program costs approximately $5,000 to $8,000, depending on which tier you access and how you negotiate with the sales team. There is a reported self-study option at the lower end and a coaching-inclusive version at the higher end. Some students have reported being quoted prices as high as $16,000 for done-for-you (DFY) services, and a full DFY build-out reportedly runs from $16,000 to $25,000.

One of the most widely criticized aspects of Modern Millionaires is its refund policy — or rather, the complete absence of one. Unlike most legitimate online courses, Modern Millionaires does not offer refunds once you've enrolled. This is a major red flag for any prospective student, and it's the source of significant frustration in negative reviews. The founders themselves have stated that students should "think long and hard" before investing, since no refunds will be given regardless of circumstances.

On top of the course cost, students need to factor in the Leadific CRM subscription at approximately $399 per month or $3,990 per year. If you're running Google Ads for clients, you'll also need an ad management budget during the learning phase, potentially several hundred to a few thousand dollars for testing before you're managing client money. Add professional email tools, basic design software, and phone systems, and the true cost of getting started with the Modern Millionaires system can easily exceed $10,000 to $12,000 in the first year, before you've closed a single client.

What's Inside Modern Millionaires?

The Modern Millionaires program is organized across four core modules with multiple sub-modules and over 40 video lessons plus pre-recorded coaching calls and bonus materials including email templates and proposal frameworks.

Module 1: Foundation is the program's introductory section. Chance and Abdul welcome students to the program, provide an overview of the paid ads agency model, and help students frame their mindset around what success looks like. The module also covers niche selection — choosing the specific type of local business to target — and helps students think through what kind of agency they want to build. Like most programs at this level, there is a meaningful emphasis on "thinking like a business owner" before moving on to tactics.

Module 2: Prospecting and Sales covers how to find clients and close them. Students learn LinkedIn outreach and automation, Facebook-based prospecting, cold email strategies, and phone scripts. This is the module where the reality of running a paid ads agency starts to set in — landing clients requires significant outreach volume, resilience to rejection, and genuine sales skill. The module includes contract templates and proposal examples to help students professionalize their pitch, which is a useful practical addition.

Module 3A: Google Ads Training is the technical heart of the course and where Abdul takes center stage. This sub-module walks students through the entire Google Ads process from account setup to landing page creation, keyword research, tracking through Google Analytics, and campaign optimization. With 31 videos covering the platform from top to bottom, this is one of the more comprehensive introductions to Google Ads available in any online course.

Module 3B: Facebook Ads Training follows with a complete Facebook ads curriculum including Business Manager setup, pixel installation, audience creation, retargeting strategies, and campaign optimization. Module 3C then ties the two ad platforms together, reviewing how to develop the leads generated and convert them into ongoing client relationships.

Module 4: Building Your Autopilot System covers agency automation and team building. Students learn how to hire virtual assistants and contractors, delegate repetitive tasks, use project management tools, and systematize their operations so the business can run more efficiently as it grows. This module is where the "autopilot" language appears — and while the strategies taught are legitimate, the "hands-off" framing overstates how passive a well-run agency actually is.

Pros and Cons

Pros:

• Legitimate business model: Paid ads lead generation for local businesses is a real service category with genuine demand. Dentists, lawyers, and home service contractors do pay for lead generation, and the skill set is genuinely valuable in the marketplace.

• Comprehensive Google Ads training: The 31-video Google Ads module is thorough and well-structured. For someone with no prior paid ads experience, it represents a complete introduction to one of the most important digital marketing platforms.

• Proven founders: Abdul and Chance have documented track records of earning significant income from digital marketing before becoming educators, which gives their teaching genuine credibility.

• Sales templates and scripts included: Getting contract templates, email scripts, and proposal frameworks saves new agency owners considerable time and helps them look professional from day one.

• LinkedIn automation training: The prospecting module's focus on LinkedIn outreach using automation tools is a differentiated feature that most competing courses don't address as thoroughly.

• Community access: The private Facebook group with over 5,700 students provides a support network, though the community's activity level has been criticized by some students as insufficient.

Cons:

• No refunds under any circumstances: This is a major concern. A $5,000 to $8,000 investment with zero refund protection is a significant financial risk for most people, especially beginners.

• Aggressive and deceptive marketing: Multiple credible sources, including the BBB and Reddit, document cases where students felt misled about what they were purchasing. The low-ticket tripwire used to funnel students into the high-ticket program has been criticized as manipulative.

• Hidden ongoing costs: The $399/month Leadific subscription, ad spend, and other tools mean the total cost of the system is considerably higher than the advertised course price.

• Paid ads are increasingly expensive and competitive: Google and Facebook ad costs have risen significantly in recent years, making the economics of running ads for local business clients more challenging than the course implies.

• The "passive income" framing is misleading: Running a paid ads agency requires active daily management. Students who come in expecting a hands-off business are frequently disappointed.

• High client churn risk: When ad campaigns underperform — which happens regularly, even for experienced marketers — clients cancel. Building a stable, long-term agency is harder than the promotional material suggests.

• FTC scrutiny: Reports of an FTC investigation into the company's advertising practices are a real concern for anyone considering a large financial commitment.

What Are Students Saying?

Student reviews of Modern Millionaires are sharply polarized. On Trustpilot, where the course has collected nearly 380 reviews, positive reviewers tend to credit the completeness of the training and the practical applicability of the Google Ads content. Some success stories are genuinely compelling: one student, Sajid, reportedly built a client base of 20 paying clients and reached $15,000 per month in under two years after starting from scratch.

The critical reviews, however, are pointed and specific. BBB complaints include detailed accounts of students feeling trapped in expensive programs with no refund options, coaches who were unresponsive, and "done-for-you" packages that failed to deliver what was promised. One BBB complaint describes a $13,500 purchase of a DFY program that delivered content described as something "an 8th grader could make," with outdated sales tactics and no modern digital advertising guidance.

Reddit is where the sharpest criticism lives. Users have called Chance and Abdul "scam artists," described being misled about what they were purchasing, and warned others about the debt contracts that some students take out to finance the high course cost. One particularly alarming thread describes a $5,000 to $16,000 "debt contract" — essentially a financed course purchase — that students are locked into regardless of results.

The honest picture that emerges from aggregating student feedback is this: the training content itself is legitimate and covers real skills, but the marketing and sales process that gets students into the program is aggressive, sometimes misleading, and has left a significant number of people feeling burned. The lack of a refund policy compounds these concerns dramatically.

My Verdict

Modern Millionaires teaches a real business model using real digital marketing skills. Google Ads lead generation for local businesses is a legitimate service that companies will pay for, and Abdul and Chance clearly know what they're doing in the paid ads space. If the program were priced at $1,000 with a reasonable refund policy and transparent marketing, it would be easier to recommend.

The problem is the combination of factors that make this course a risky purchase: a price tag of $5,000 to $8,000, absolutely no refund protection, deceptive marketing practices, high ongoing software costs, and a business model that is genuinely harder to execute than the promotional material implies. The risk-reward profile is not favorable, particularly for someone new to paid advertising who doesn't yet know whether they'll enjoy or excel at this kind of work.

My honest recommendation is to think very carefully before enrolling. The Google Ads skills taught in this program can be learned through cheaper resources — Google's own Skillshop certifications are free, and courses on platforms like Udemy cover paid advertising at a fraction of the cost. The unique value Modern Millionaires offers is the community, the coaching, and the agency-building frameworks — and whether that value justifies a $5,000+ investment with no safety net depends entirely on your financial situation and risk tolerance.

Before You Buy, Read This

I understand the appeal of high-ticket training programs. When a course costs thousands of dollars, it feels like a serious commitment that will force you to take action — like you're investing in yourself at a level that actually means something. But a high price tag doesn't automatically mean high value, and the absence of a refund policy should be an immediate red flag for any program at this price point.

If you're serious about building a real income online, I'd encourage you to look at every option on the table before committing thousands of dollars to a program that won't give your money back if things go wrong. There's a course I come back to again and again when people ask me what I'd genuinely recommend for someone starting from scratch — and it's not the most expensive option. Click here to see what I actually recommend, and make an informed decision before you hand over your credit card to anyone.