My 20 Dollar Travel Business Review – Beware of the Pyramid!

My 20 Dollar Travel Business Review – Beware of the Pyramid!

My 20 Dollar Travel Business is a company which offers discounts on travel commodities such as hotels, rental cars, etc.

It’s also an MLM company, meaning that you have the ability to earn money with it by getting other people to join it.

Basically, My 20 Dollar Travel Business is presented as a way to travel around the world for cheap while earning money…

I know how excited all of you who have the travel bug inside you get when you hear the words “travel” and “earn money” in the same sentence…

But still, that doesn’t mean that My 20 Dollar Travel Business is the real deal nor that it offers the potential for you to achieve your financial goals.

Maybe it’s just one of the thousands of scammy pyramid schemes that exist out there which usually leave you hundreds of dollars poorer.

Anyway, don’t worry…

By the end of this My 20 Dollar Business review, you’ll know everything you need to make an informed decision about whether this MLM company is worth your time, attention, and money or not.

Some of the topics that I am going to cover, are

  • What My 20 Dollar Travel Business is
  • How it works
  • The company’s background
  • How much it costs to join
  • Its compensation plan
  • If it’s a pyramid scheme or not
  • The products it offers
  • Its owners
  • Pros and cons
  • and much more

Let’s get cracking!

My 20 Dollar Travel Business Overview

Name: My 20 Dollar Travel Business

Owners: Steve Gresham


  • Standard Member – $1 for one month, then auto-upgrades to Gold
  • Gold Member – $20 per month
  • Platinum Member – $100 per month

Official Website:

Suggested? Not at all…

Better Money-Making Suggestions:

  • Affordable entry
  • Provides some training
  • Free website
  • Fast support

Jump to the Pros Section

  • Its service is not retailable
  • It’s a pyramid scheme
  • Expensive Platinum membership

Jump to the Cons Section

Is My 20 Dollar Travel Business Suggested?

No, it’s not, mostly because it’s a pyramid scheme among other reasons that I am going to discuss later on.

A similar but way more legit and unique MLM in the travel niche that you might want to check out is iBuumerang.

To tell you the truth, personally, I am not at all fond of MLMs in general.

  • Their success rate is awfully low
  • They are extremely volatile
  • You need to invest a ton of money, time, and energy until you manage to make a profit (if you ever actually make a profit)
  • And most of them focus on recruiting people instead of pushing an actual valuable and beneficial product or service

Plus, in order to make money with most MLMs, you’ll have to turn into a sleazy salesperson and I really hate selling. And I really hate being sold to.

Having said all that, before I move on to the actual My 20 Dollar Travel Business review, I want to reveal to you some general statistics about MLM companies that will probably shock you to your very core.

8 Shocking MLM Statistics

The Network Marketing Game

1 • According to FTC research, 99% of recruited MLM sellers lose money in an MLM venture.

2 • The same FTC report explains that the percentage of legitimate normal small businesses that eventually earn a profit is 39%.

This means that by running your own small business you have 38% more chances of earning a profit than by becoming a member of an MLM.

Other studies have shown that the success rate of online businesses is 10% and of e-commerce businesses 20%. Still way better than MLMs and much cheaper and simpler to start.

3 • According to another new study released by AARP Foundation, 47% of MLM participants lose money and 27% make no money whatsoever.

Among the 26% who are actually making a profit, 53% of them are earning less than $5000 a year, money which is far from being sufficient to make a living.

4 • 39% of MLM participants drop out because pitching crappy products and services to friends and family feels awkward and could jeopardize their relationships.

5 • At least 50% of MLM participants quit 1 year after joining.

6 • 95% of MLM participants quit within ten years.

7 • 75% of those who join and leave an MLM state that they would never join another MLM in their life.

8 • A 2018 poll of 1049 MLM participants across various companies found that most of them make less than 70 cents an hour.

Nearly 20% of them never made a sale, and nearly 60% of them had earned less than $500 in sales over the past five years. Furthermore, nearly 32% of them acquired credit card debt to finance their MLM involvement.

I could go on and on about MLMs and include 100+ more shocking statistics about them but I’ll stop right here for the sake of keeping this relatively short.

If you still want to take a risk and go for an MLM, then, by all means, be my guest…

You never know, you might be among those very few people who manage to climb up the ladder and end up earning big bucks with them.

In the meantime, I’ll be building my very own online business which means that I have

  • at least 10% more chances of earning a profit than you
  • the potential to earn a lot more money than you
  • 100% control over my business
  • to invest much less money than you 

Care to join me?

Go ahead and check out Wealthy Affiliate and Project 24 at once!

Wealthy Affiliate and Project 24 are platforms which will take you by the hand and teach you how to build and run your own profitable and successful online business.

Both of them have helped dozens of people cultivate a full-time income online and completely change their financial and employment status forever.

So, now that you know, let’s move to the actual My 20 Dollar Travel Business review.

What is My 20 Dollar Travel Business About?

My 20 Dollar Travel Business is a rather new MLM company operating within the travel niche.

It was created by Steve Gresham and was first launched in May 2019.

According to my research, My 20 Dollar Travel Business is a successor of My 1 Dollar Travel Business which in turn is a successor of an older MLM called Savings Highway.

Both My 1 Dollar Travel Business and Savings Highway were also owned by Steve Gresham, they were both pyramid schemes and they both collapsed within a couple of years after they were first launched.

And as it seems, My 20 Dollar Travel Business is heading towards the exact same direction.

How Does My 20 Dollar Travel Business Work?

My 20 Dollar Travel Business is basically a company which offers discounts on several travel commodities such as 

  • Hotels
  • Rental cars
  • Cruises
  • Condos
  • and much more

Those discounts range from 75% to 90% and can be located through a members-only exclusive travel discounts search engine that My 20 Dollars Travel Business owns (similar to

The discounts that people are able to find through this search engine are not available to the general public.

So basically, the product that My 20 Dollar Travel Business offers is nothing more than travel discounts.

However, My 20 Dollar Travel Business is also an MLM company.

This means that My 20 Dollar Travel Business will pay you money for inviting other people to become its members and take advantage of their discounts.

Every time someone you referred to My 20 Dollar Travel Business joins the company, you earn a commission which is 50% of the total amount of money they paid to become a member.

For instance, if a person you refer to My 20 Dollars Travel Business pays $100 to become a Platinum Member, you earn an instant $50.

You’ll also earn 25% of their monthly membership fee for as long as they actually remain a Platinum Member.

For example, every time that this Platinum Member you referred pays their $100 monthly membership fee, you’ll earn an additional $25.

However, this is not all…

Since My 20 Dollar Travel Business is an MLM, you don’t just earn money from the people you have personally recruited to the platform but also when your recruits, recruit even more people and when your recruits’ recruits, recruit more people, and so on and so on.

I dive deeper into the full compensation plan of My 20 Dollar Travel Business right below.

My 20 Dollar Travel Business's Compensation Plan

The majority of MLM companies have so extremely complicated compensation plans that it feels like you need to have a rocket scientist doctorate to understand just their first paragraph.

While My 20 Dollar Travel Business’s compensation plan is way simpler than others, it’s still no piece of cake to understand completely. 

Thankfully, I managed to locate a few short videos which will help you get a better hang of it.

If you need additional information about anything regarding My 20 Dollar Travel Business including its compensation plan, you can either use the 24/7 live chat on their main website or contact their support team at &

To make things easier for you, I’ll sum up the company’s compensation plan right below…

So, there are basically 4 ways that you can earn money with My 20 Dollar Travel Business…

  1. Fast Start Referral Commissions
  2. Direct Referral Monthly Commissions
  3. The 2×10 Uni-level Forced Matrix Pay Plan
  4. Incentives

Fast Start Referral Commissions

Fast start referral commissions mean that you earn money every time you personally refer someone to My 20 Dollar Travel Plan.

For instance, you earn

  • $50 for every Platinum Member you refer
  • $20 for every Gold Member you refer
  • 50 cents for every Standard Member you refer

The amount of the commissions that you earn by referring people is the same no matter what your membership level is.

You’ll still earn $50 every time you refer a Platinum Member even if you are a Gold Member or even a Standard Member.

Direct Referral Monthly Commissions

Besides that initial fast start commissions, My 20 Dollar Travel Business also pays you 25% of the monthly recurring membership fees of your direct referrals (the people who you have personally recruited).

For instance, every single time one of your Platinum referrals pays their monthly $100 membership fee, you’ll earn $25 and every time one of your Gold referrals pays their monthly $20 membership fee, you’ll earn $5.

It goes without saying that if any of your direct referrals quit My 20 Dollar Travel Business, you’ll stop receiving the 25% commissions which came as a result of their membership fee.

The 2x10 Uni-level Forced Matrix Pay Plan

2x Matrix Plan

This plan pays you 5% of the monthly membership fees of each member which exists in your organization up to 10 levels deep.

Each member in this matrix is allowed to have only two people below them.

For the sake of the argument, you are at the top.

Below you, there are 2 people who you have personally recruited. This is the first level of the matrix.

Those 2 recruits of yours will also recruit 2 people each, which gives us 4 total members on the second level of the matrix.

Each successive level is generated in the same manner and has twice as many members as the previous one.

For instance, since level two has 4 members, level three will have 8 members and level four 16 members.

Since this plan goes up to 10 levels deep, you have the potential to be earning 5% commissions from a total of 2048 members.

Assuming that every single one of the members is a Platinum one, you’ll be earning more than $10k per month (2048 members * 5% of the $100 Platinum monthly fee = 2048 * $5 = $10240 per month).

Since the Platinum is the most expensive membership option My 20 Dollar Travel Business has to offer, this $10240 is the maximum amount of money you can earn per month through this matrix.


As a Platinum member, you can qualify for 2 bonus incentives.

The first bonus is called “Dream Vacation” and it’s a 5-start Luxury vacation valued at $3000.

To qualify for this bonus you will need to gather 12 Platinum points.

You can gather those Platinum points in 2 ways.

  1. You earn 1 Platinum point for each month that you are a Platinum Member
  2. You earn 1 Platinum point for every Platinum Member that you personally recruit to My 20 Dollar Travel Business

Once you’ve reached 12 Platinum points you can request your luxury 5-star dream vacation through your My 20 Dollar Travel Business back office.

Those $3000 are only for accommodation for 2 adults and up to 2 children. Transportation and food are not included.

For your accommodation, you can choose among 10 Luxury Resorts in Mexico, Orlando, Florida or Las Vegas Nevada.

The second bonus is called “Global Vacation” and it’s a 5-start Luxury vacation valued at $5000 which you can redeem with 30 Platinum Points.

Those $5000 includes 

  • $3,000 for accommodation
  • $1,000 for transportation
  • and an extra $1,000 in cash

Your destination could be anywhere in the world within My 20 Dollar Travel Business’ condo network.

How Much Does My 20 Dollar Travel Business Cost to Join?

My 20 Dollar Travel Business offers the 3 membership options below…

  • Standard Member – $1 for one month. Then auto-upgrades to Gold
  • Gold Member – $20 per month
  • Platinum Member – $100 per month

The differences between those membership options are as follows:

As a standard member, you don’t have access to the travel discounts search engine. You can still recruit people and earn commissions.

As a Gold member, you don’t have the ability to qualify for the bonus incentives as well as for some additional bonuses.

Thus, to take full advantage of My 20 Dollar Travel Business, you’ll have to eventually upgrade to Platinum.

Is My 20 Dollar Travel Business a Pyramid Scheme

Most of the time it’s very hard to distinguish between a legit MLM company and a pyramid scheme.

Make sure to watch the video below to discover how to spot and avoid pyramid schemes in general.

The main difference between an MLM and a pyramid scheme is that MLMs give you the opportunity to earn commissions by selling actual products or services to other people in retail without having to recruit them while with a pyramid scheme the only way to earn money is by recruiting other people into the scheme.

My 20 Dollar Travel Business might be offering a service (the discounts) but nobody can actually use them without becoming a Gold or Platinum member of the company and along with its pyramid-like compensation plan, My 20 Dollar Travel Business can be considered a pyramid scheme for sure.

My 20 Dollar Travel Business Pros

1 • Affordable entry: Nobody can argue that My 20 Dollar Travel Business is not expensive to join at all.

You can become a standard member of the company at only $1. Be aware though that as a standard member you won’t have access to the travel discount engine which is basically the main service of that My 20 Dollar Travel Business offers. You can still make money though by recruiting other people to the company.

Also, you can remain a standard member just for your first month. Once the first month is over, you either become a Gold for $20 per month, a Platinum member for $100 per month, or you leave. Nonetheless, the Gold membership is also very affordable at $20 per month.

2 • Provides some training: Something that the majority of MLMs don’t offer to their newly recruited members is proper training on how to actually make money with the company (no wonder that such a small percentage of MLM participants manage to make a profit).

My 20 Dollar Travel Business offers some basic training on their YouTube channel as well as on your personal back office, to help you understand how the company works, its compensation plan, as well as how to maximize your recruits and profits.

Better some than none…

3 • Free website: Once you join My 20 Dollar Travel Business you also get a pre-made website which is an exact replica of the company’s official website,

All you’ll have to do is basically send people over to that pre-made website and when someone ends up signing up to My 20 Dollar Travel Business through it, they automatically become your recruits.

If marketed the right way, this website could help you maximize your recruits and thus your earnings.

4 • Fast support: The thing that left me a very good impression regarding My 20 Dollar Travel Business is that the support through the live chat on their website was amazingly fast and accurate.

Before I started putting together this review, I had some questions about the company so I used the live chat to get some answers.

5 minutes later, all my questions had been answered.


My 20 Dollar Travel Business Cons

1 • Its Service is not retailable: The first thing I don’t really like about My 20 Dollar Travel Business is that you cannot push their service in retail. In order for someone to get their hands on the discounts the company offers they have to purchase either as a Gold or a Platinum membership.

Real MLMs don’t work that way.

Herbalife representatives can sell supplements to consumers without having to recruit them. iBuumerang TSAs are able to let other people use the travel discounts of the company without having to recruit them.

When an MLM’s compensation plan revolves around recruiting other people, it’s more like a pyramid scheme.

2 • It’s a pyramid scheme: Yup, My 20 Dollar Business Travel Business is a pyramid scheme.

While this doesn’t mean that you can’t make money with the company, be aware that pyramid schemes are extremely volatile and have a very short expiration date.

My 20 Dollar Travel Business’ predecessors My 1 Dollar Business, and Savings Highway, were both pyramid schemes…

Both of them collapsed pretty fast and My 20 Dollar Travel Business will probably follow the exact same course.

3 • Expensive Platinum membership: While My 20 Dollar Travel Business’s Standard and Gold memberships are pretty affordable, its Platinum membership is very expensive at $100 per month.

Starting and running your own online business is way cheaper while offering much more chances (at least 10% more) of actually making a profit down the road.

For instance, for less than half the money that you’ll spend for a Platinum My 20 Dollar Travel Business membership, you can build a successful, profitable online business with Wealthy Affiliate or Project 24.

Wealthy Affiliate‘s premium membership costs $49 per month (or $30 per month if you pay upfront for a whole year), and Project’s 24 membership costs $449 per year ($37.5 per month).

Online business = much less monetary investment + much more chances of success + you are 100% in control

It’s a no brainer.

So, What Now?

Okay, so you read this My 20 Dollar Travel Business review in its entirety…

Now what?

Well, as I see it, right now you have 4 options…

  1. You either go for My 20 Dollar Travel Business (not such a good choice)
  2. You check out my top money-making suggestions Project 24 and/or Wealthy Affiliate, both of which are proven to have helped dozens of people build a full-time source of income online (optimal choice)
  3. You take a look at the dozens of others reviews I’ve put together hoping you’ll find a money-making opportunity which suits you better there
  4. Or you walk out of here completely empty-handed

If I were where you are (which I’ve been), I would join Wealthy Affiliate (which is what I actually did).

Here’s why…

  • Wealthy Affiliate is one of the best MMO (Make Money Online) platforms that currently exist
  • I’ve been a premium Wealthy Affiliate member for 3 years now and I couldn’t be more satisfied with it
  • Wealthy Affiliate has the most success stories I’ve seen in a money-making platform, EVER! Dozens more are being published daily within its community
  • It is completely FREE to join (no credit card required and no catches whatsoever)

Before you leave, make sure to check out my Wealthy Affiliate Review.

Trust me, you won’t regret it!

This Post Has 10 Comments

  1. Hi and thanks for the My 20 Dollar Travel Business review. I’ve seen this company being advertised on social media and wanted to do some research before joining. 

    This review explains it all very well for me and I will not be joining a pyramid scheme which will cease to exist and Steve will re-brand as something else before long …  

    However I’ve still got some questions. If someone were to join for the Standard Membership, they themselves would not be able to access discount travel – they are simply buying into the ability to sell the opportunity on to someone else? So they don’t get any benefit unless they sell gold and platinum memberships to other people? 

    This is one I’ll definitely be staying away from. I’ve not heard of Project 24, I will go and check that one out. I need something legit.

    1. You got that right Melissa! As a Standard Member, you can’t access the travel discounts search engine… The only thing you can do is recruit other people which is kind of funny because you will be trying to sell a service which you haven’t used yourself.

      I believe that the only point of the Standard membership is to get you into the company. As I mentioned, after your first month as a Standard Member, your membership auto-upgrades to Gold.

      Thus your choices are to let your Standard membership auto-upgrade to Gold after the first month is over, upgrade to Platinum membership yourself, or quit.

      Let me know if you have any questions regarding Project 24 🙂


  2. Usually, programs that present to be a way to travel around the world while earning money are usually too good to be true. After hearing a little bit about My 20 Dollar Travel Business, it sounded pretty bad but after reading your entire article, it sounds even worse.

    But the bright side is there are guys like you, giving honest, non-biased reviews and recommendations, not only to make more bucks or to create a sustainable source of money but also to avoid scams. Thanks for sharing this, I added this to my “do not try” -listing on my browser’s favorites.

    Going to check a couple of more programs from your site to find out what they are about…

    1. I am glad that you found my review helpful 🙂


  3. True, most of us will jump at the opportunity to travel the world while earning money from it. I think one of the main turn-offs for me would be the requirement to recruit people.

    I hate to bug family and friends to join a program in order for me to earn. Thank you for those useful facts on MLMs. This is an eye-opener for anyone considering an MLM business. I would rather build my own business that has a chance of succeeding that joining something like My 20 Dollar Travel Business.

    Even though the initial joining fee is low, it seems like for you to be profitable you have to be a Gold or Platinum Member, together with your down-lines. Too much of a task.

    Thank you for this thorough review of My 20 Dollar Travel Business.

    1. You definitely got the point, Carol!

      Thanks for sharing your point of view with us!


  4. Great review Xaric,

    I saw a couple of my friends posting the 20 Dollar Travel Business on Facebook and I was wondering about whether or not it is a reliable business especially with the $1 startup fee.

    I expected the hidden more expensive packages but I didn’t know that their product is that travel search engine thing! Might just be me but I think 20 Dollar Travel Business sounds more like a pyramid scheme rather than an MLM.

    1. My 20 Dollar Travel Business is indeed a pyramid scheme.

      Their travel discounts search engine works nonetheless… You can indeed find a lot of great discounts by using it.


  5. You kinda lost me there as soon as you mentioned MLM, but nevertheless, I continued reading your review and I was glad to read that you didn’t recommend My 20 Dollar Travel Business after all.

    MLM companies are just never a good idea in my books.

    I had two friends who joined quite famous MLMs. One of them didn’t invest much money, but a lot of her time and didn’t get anywhere. The other invested a lot of money and time and got to be one of their speakers. But in the end, the whole company disappeared so it was all for nothing anyway.

    1. These are the kind of things that MLMs just “do” hehe.

      Highly unstable like a house of cards and very unlikely for an average person to make money with them.

      Hopefully, your friends learned their lesson.


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