<prompt> Human: My parents have been trying to get me to join this company. Everything about it screams pyramid scheme. You have to pay 100 to join and sell their product, lots of meetings, etc. The only reasons Im giving it a chance is because:1. Theyre my parents, and they have a history of falling for pyramid schemes, and I really dont want them to waste their time again. 2. Theyre selling life insurance or some annuitiesfinancial product, so its not exactly like theyre buying loads of makeup and being a distributor. My mom was a life insurance agent for many years so shes not exactly an unsuspecting victim.Have any of you had any experience with companies like this? Im at one of these meetings right now. I can provide info as it goes. Edit: Retiring America is selling indexed universal life insurance. Its tied to the SP 500: capped at 13.5, Gold capped at 14, and Real Estate, no cap but 1.5 spread. I honestly have no idea what that means lmao.  <response>: Thats how MLM schemes work- you take advantage of family members and loved ones who buy in because they just want to help.E: If you have to pay money in order to sell goodsservices for a company, then those goodsservices obviously cant be sold on their own merit. Dont walk away, run away. 