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It’s Only 5 – Scam Review

0

It’s Only 5 is a matrix cycler that is based in Detroit, Michigan.

The name of It’s Only 5’s website, “itsonly5.com,” was registered privately on March 19, 2022.

Heading up It’s Only 5 was started by Elton and Sarah Potts, John and Lisa Arnold, and Elton and Sarah Potts.

From what I can tell, neither the Potts nor the Arnolds are big names in the MLM business.

Elton Potts and John Arnold Sr. were promoting B-Eco earlier this year:

That doesn’t look like it worked out.

Potts promoted crypto scams on Telegram last year:

He was also taken in by the iHub Global HNT mining scam:

This is how it works:

Potts and John Arnold Sr. made the “Survive and Thrive” Facebook group back in November 2021.

Arnold Sr. also fell for the iHub Global scam, which is probably where he met Potts.

Guillermo Joya is in charge of training and media for It’s Only 5.

Joya is always trying to get people to join MLM Ponzi schemes. CashFX Group and Cloud Token are two of them:

The Potts call Michigan home. Texas is where the Arnolds live. Also, the Joyas come from Colombia.

Read on for a full review of the MLM opportunity with It’s Only 5.

The goods from It’s Only 5
It’s Only 5 has no products or services that can be sold.

Affiliates can only promote. It only costs $5 to become an affiliate member.

The pay plan for It’s Only 5
It’s Only 5 affiliates buy $6 positions in a nine-tier matrix cycler.

It’s Only 5 keeps $1 of this $6 buy-in. The other $5 is used to pay for the cycler for It’s Only 5.

The cycler in It’s Only 5 uses matrices that are 23.

In a 23 matrix, an affiliate is at the top, and two positions are right below them:

The first level of the matrix is made up of these two spots. The second level of the matrix is made by dividing each of these two spots into two more spots (four positions).

The third level of the matrix is made the same way as the second, and it has eight positions. This means that a 23 matrix now has a total of fourteen spots.

Positions in the matrix are filled by people who hire others directly or indirectly and then buy those positions. There are only five affiliates.

When every spot in a matrix is filled, this is called a “cycle.”

It’s Only 5’s nine-tier cycler has the following commissions:

Round 1

Tier 1 ($6 positions): $19 cycle commission and creates a new Round 1 Tier 2 position Tier 2: $105 cycle commission and creates a new Round 1 Tier 3 position Tier 3: $143 cycle commission and creates a new Round 1 Tier 4 position Tier 4: $1476 cycle commission and creates a new Round 1 Tier 5 position Tier 5: $1653 cycle commission and creates 200 new Round 1 Tier 1 positions and a new Round 1 Tier 6 position Tier 6: $4555 cycle co

Tier 1: $38 cycle commission and a new Round 2 Tier 2 position. Tier 2: $210 cycle commission and a new Round 2 Tier 3 position. Tier 3: $287 cycle commission and a new Round 2 Tier 4 position. Tier 4: $1804 cycle commission, creates 100 new Round 2 Tier 1 positions and a new Round 2 Tier 5 position. Tier 5: $5705 cycle commission and a new Round 2 Tier 6 position. Tier 6: $9075 cycle commission, creates 100 new Round 2 Tier

Tier 1: $76 cycle commission, creates a new Round 3 Tier 2 position Tier 2: $428 cycle commission, creates a new Round 3 Tier 3 position Tier 3: $571 cycle commission, creates a new Round 3 Tier 4 position Tier 4: $4704 cycle commission, creates fifty new Round 3 Tier 1 positions and a new Round 3 Tier 5 position Tier 5: $11,405 cycle commission, creates a new Round 3 Tier 6 position Tier 6: $20,625 cycle commission, creates

Tier 1: $190 cycle commission, creates a new Round 4 Tier 2 position Tier 2: $1045 cycle commission, creates a new Round 4 Tier 3 position Tier 3: $1427 cycle commission, creates a new Round 4 Tier 4 position Tier 4: $13,284 cycle commission, creates 20 new Round 4 Tier 1 positions and a new Round 4 Tier 5 position Tier 5: $28,505 cycle commission, creates a new Round 4 Tier 6 position Tier 6: $54,855 cycle commission, create

Tier 1: $380 cycle commission and a new Round 5 Tier 1 position. Tier 2: $2090 cycle commission and a new Round 5 Tier 3 position. Tier 3: $2854 cycle commission and a new Round 5 Tier 4 position. Tier 4: $26,398 cycle commission, ten new Round 5 Tier 1 positions, 200 new Round 1 Tier 1 positions, and a new Round 5 Tier 5 position. Tier 5: $51,010 cycle commission and a new Round 5 Tier 6 position. Tier 6: $111

Tier 1 pays a cycle commission of $1,900 and creates a new Round 6 Tier 2 position. Tier 2 pays a cycle commission of $10,450 and creates a new Round 6 Tier 3 position. Tier 3 pays a cycle commission of $14,270 and creates a new Round 6 Tier 4 position. Tier 4 pays a cycle commission of $146,406 and creates two new Round 6 Tier 1 positions, 200 new Round 1 Tier 1 positions, and a new Round 6 Tier 5 position. Tier 5

Tier 1 earns $3,800 per cycle and creates a new Round 7 Tier 2 position. Tier 2 earns $20,900 per cycle and creates a new Round 7 Tier 3 position. Tier 3 earns $28,540 per cycle and creates a new Round 7 Tier 4 position. Tier 4 earns $295,015 per cycle and creates one Round 7 Tier 1 position, 200 Round 1 Tier 1 positions, and a new Round 7 Tier 5 position. Tier 5 earns $570,100 per cycle and create
Commissions for referrals
It’s only 5 affiliates who get paid when affiliates they recruited themselves cycle.

Round 1

Round 1: Tier 1 pays $1 for each person they bring in. Round 1: Tier 2 pays $5 for each person they bring in.
Round 1: Tier 3 pays $7 for a referral.
Round 1: Tier 4 pays $24 for a referral.
Round 1: Tier 5 pays a $147 commission for a referral
Round 1: Tier 6 pays $245 for referring people.
Round 1: Tier 7 pays $525 for referring people.
Round 1: Tier 8 pays $1,200 for a referral.
Round 1: Tier 9 pays a $2100 commission for a referral. Round 2:

Round 2, Tier 1 pays $2 for each referral. Round 2, Tier 2 pays $10 for each referral. Round 2, Tier 3 pays $13 for each referral.
Round 2: Tier 4 pays $96 for a referral.
Round 2: Tier 5 pays a $295 commission for a referral
Round 2: Tier 6 pays $625 for each referral.
Round 2: Tier 7 pays $1100 for referring people.
Round 2: Tier 8 pays $1,200 for each referral. Round 2: Tier 9 pays $2,300 for each referral. Round 3:

Round 3 Tier 1 pays $4 in referral fees. Round 3 Tier 2 pays $12 in referral fees. Round 3 Tier 3 pays $29 in referral fees.
Round 3: Tier 4 pays a $246 commission for a referral
Round 3: Tier 5 pays a $595 commission for a referral
Round 4: Tier 6 pays a referral fee of $1125.
Round 5: Tier 7 pays a $2300 commission for a referral
Round 5: Tier 8 pays $4500 for a referral. Round 5: Tier 9 pays $12,500 for a referral.

Round 4 Tier 1 pays $10 for each referral. Round 4 Tier 2 pays $55 for each referral. Round 4 Tier 3 pays $73 for each referral.
Round 4: The commission for Tier 4 is $696.
Round 4: Tier 5 pays a referral fee of $1495.
Round 4: Tier 6 pays a $2925 commission for a referral
Round 4: Tier 7 pays a $5,900 commission for a referral
Round 4: Tier 8 pays a referral fee of $12,700. Round 4: Tier 9 pays a referral fee of $23,700. Round 5:

Round 5 Tier 1 pays $20 for a referral. Round 5 Tier 2 pays $110 for a referral. Round 5 Tier 3 pays $146 for a referral. Round 5 Tier 4 pays $1392 for a referral.
Round 5: Tier 5 pays a referral fee of $8990.
Round 5: Tier 6 pays a referral fee of $5850.
Round 5: Tier 7 pays a referral fee of $11,800.
Round 5: Tier 8 pays a referral fee of $25,400. Round 5: Tier 9 pays a referral fee of $47,400. Round 6:

Round 6 Tier 1 pays $100 for each referral. Round 6 Tier 2 pays $550 for each referral. Round 6 Tier 3 pays $730 for each referral.
Round 6: Tier 4 pays a referral fee of $1392
Round 6: Tier 5 pays a referral fee of $1495.
Round 6: Tier 6 pays a referral fee of $29,925.
Round 6: Tier 7 pays a referral fee of $59,900
Round 6: Tier 8 pays a referral fee of $129,700. Round 6: Tier 9 pays a referral fee of $189,700. Round 7:

Round 7 Tier 1 pays $200 for each referral. Round 7 Tier 2 pays $1100 for each referral. Round 7 Tier 3 pays $1460 for each referral.
Round 7: Tier 4 pays a referral fee of $2784
Round 7: Tier 5 pays a referral fee of $29,900
Round 7: Tier 6 pays a referral fee of $59,850.
Round 7: Tier 7 pays a referral fee of $119,800.
Round 7 Tier 8 pays a referral fee of $249,400. Round 7 Tier 9 pays a referral fee of $379,400.
Joining It’s Only 5: To become an It’s Only 5 affiliate, you have to buy an initial $6 cycler position.

There are only 5 of them.
Matrix cyclers are simple. You buy in and hope that enough other people do the same so that you can take their money.

We only need to look at the math behind It’s Only 5 to see how far this idea is taken in that book.

One full It’s Only 5 run costs $5 and pays out a huge $30,490,387. That’s more than 6,000,000 $5 payments.

When you add in commissions for referring people, that number goes up by another $1,437,254 (another 287,450 $5 payments).

Oh, and that run will make hundreds of Round 1 Tier 1 positions, which will make the financial risk of just one It’s Only 5 $5 position go through the roof.

It goes without saying that most of the money invested in It’s Only 5 won’t make it to the higher rounds, where most of the money is passed up.

Also, keep in mind that all the position numbers given are for the case where It’s Only 5’s matrices are filled in a straight line. That means that each new purchase went into the same lineage of the matrix.

They don’t, so the number of positions needed for just one position over seven rounds is a lot higher than if they did.

Less than 1% of people won’t even make it out of Round 1 (18,154 $5 payments are needed). Since the minimum amount to withdraw is $100, most It’s Only 5 investors lose $5 or more right away.

Even though $5 doesn’t sound like much, affiliates can invest in as many positions as they want.

Can I have more than one account with the same email address?

You can only get them if you buy them in your back office. You have to use different emails to make new accounts. Or you can use the gmail trick if you have gmail.

Like any other cycler Ponzi, the main winners in It’s Only 5 will be Elton and Sarah Potts, John and Lisa Arnold, and Guillermo Joya, who lost money in their other schemes but will be the top It’s Only 5 recruiters.

Everyone else in It’s Only 5 has to lose money for these scammers to be able to take it.

As we’ve shown above, math shows that most people who take part in cycler Ponzi schemes will lose money.

On the administrative side of It’s Only 5, we have two admins who live in the US and one who is often in the US from Colombia.

SimilarWeb kept an eye on nearly a million It’s Only 5 visits to the website in June 2022, most of which came from the US:

With the DOJ, SEC, and FTC, the US is the most active country in the world when it comes to regulating MLM cycler Ponzi schemes.

You know how this will end, whether it’s a collapse, a clean-up by the government, or both.

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