Worth Unlimited Review (2023 Update): Everything You Wanted To Know!

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Updated: January 14

By: Scam Risk - Expert Reviewer

Worth Unlimited Review

In 2006 United First Financial (UFirst) opened in Utah and allowed members to promote a debt consolidation application called the ‘Money Merge Account.’ Then, in 2011, UFirst stopped handling sales (leaving their then-affiliates in the lurch) and outsourced it for the better half of a year.

With that evidently not working out as anticipated for the company, UFirst has renamed the Money Merge Account as the ‘Worth Account,’ hired a new CEO, made some modifications to their compensation plan, and is now preparing to relaunch themselves under the new name ‘Worth Unlimited.’

Dig in deeper to see if this can help you save tens of thousands of dollars in interest!

This Worth Unlimited Review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

Table of Contents

Pros: What I Liked

  • Lots of good reviews
  • BBB accredited
  • Help with personal finances
The Good

Cons: What I Didn't Like

  • High risk
  • Lack of transparency
  • Not very helpful
The Bad

Chances are you heard about Worth Unlimited because someone – a friend or family member – introduced you to the company. Maybe you attended an online workshop or webinar, or maybe an in-person information session.

Your head’s probably spinning. This might be the first time you’ve heard about a real way to make money outside of a typical job.

So first off, congratulations!

You’ve just entered a whole new world…the world of making money on your own terms.

However, you came in through the wrong door.

Because Worth Unlimited is – plain and simple – an MLM. Throw whatever fancy name you want on it…multi-level marketing (MLM), network marketing (NWM), direct sales, or anything else, it’s the same concept:

You pay some money upfront for the “opportunity” to sell products.

The products are typically low-quality but with high price tags (because fancy labels and stuff).

You’re told that the key to building your own successful business is selling these products to friends and family, and getting them on a subscription (so you get “monthly recurring revenue”).

Unfortunately, like most people who get taken in by these types of schemes, you’ll quickly discover that the well runs dry faster than you imagined.

After all, they make it sound really simple. “Just get 5 people you know onto this magic widget, and things will just grow from there.”

And in your head, you think “How hard can it be? I know plenty of people, 5 will be easy.”

But then you do it, and you realize people look at you like you’ve joined a cult. You’ve become “that person”, who joined an MLM, and is now trying to sell questionable products or services to everyone they meet.

It puts a strain on your relationships, and you end up stuck between two worlds.

But it’s not your fault. These companies spend millions of dollars each year figuring out exactly how to brainwash and recruit people. And that’s why we’re here.

To help you find a better way before it’s too late.

So, what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Inventory
  • Selling to friends and family
  • Selling to strangers
  • Recruiting people
  • Dealing with questionable products that weigh on your conscience

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day chasing, selling, or managing anything?

If that sounds like something you’d be interested in, check out Digital Real Estate. 


This is nothing like MLM, and that’s probably a good thing.

However, if you’d still like to know more about Worth Unlimited , keep reading.

What Is Worth Unlimited?

What Is Worth Unlimited Worth Unlimited Review

The Worth Account (previously known Money Merge Account program) is an online personal financial system designed to get individuals out of debt in as little as ½ to ⅓ the regular time while also building substantial cash reserves in the bank.

The Worth Account consolidates all of your financial accounts into a single spot. It uses advanced banking algorithms to figure out the quickest, most successful financial strategies for debt reduction and building cash reserves in your bank account.

Twenty-four hours a day, seven days a week, the Worth Account is working with one purpose in mind, to move you ahead financially as rapidly as possible. Now clients have a road map to becoming debt-free and having more interest savings!

Choose the years to pay off, stopped paying commissions owed, the amount of interest you’ll save or have already saved, your discretionary income, and more.

Who Is The Owner Of Worth Unlimited?

Who Is The Owner Of Worth Unlimited

Worth Unlimited (and UFirst) was formed in the US state of Utah by Skyler Witman, Matthew Lovelady, Jonathan Bonnette, and John Washeko. For the relaunch, P. Thomas Chester was replaced as CEO by Spencer Clawson.

Back in the 1990s, Witman and Washenko founded the mortgage company ‘Accelerated Equity’ and sold their Money Merge Account scheme. Lovelady and Bonnette joined Accelerated Equity in 2006, and the company was renamed United First Financial.

Clawson has a background in executive management training and coaching, having previously served as the CEO of training company Innolect Inc.

Worth Unlimited Compensation Plan

Worth Unlimited Compensation Plan

Worth Unlimited only has one product, the Worth Account, and it comes in three varieties:

  • Gold (no mortgage)
  • Platinum (1-2 mortgages)
  • Platinum + (3-9 mortgages)

The cost price for each product is determined straight from the projected savings Worth Unlimited’s sales coaches compute for potential customers. 

Whereas the previous incarnation, the Money Merge Account, charged a flat $3,500, the Worth Account charges 0.5% to 3% of the projected interest saved by the prospective consumer.

There doesn’t seem to be any cap on the price of the Gold plan, although the Platinum and Platinum Plus plans are price restricted at $3495 and $3795, respectively. Worth Unlimited pay affiliates 15 to 30% of the final sale price of a Worth Account from this sale price.

At the end of any month, if members have generated

  • $0 – $6000 in sales, they can earn 15%
  • $6001 – $12,000 in sales, they can earn 20%
  • $12,001 – $18,000 in sales, they can earn 25%
  • $18,001 or more in sales, they can earn 30%

Unilevel Commissions

In addition to the retail commissions mentioned above, Worth Unlimited uses a unilevel compensation system to pay out residual commissions.

You are at the top of a unilevel compensation structure, with each new member you hire put immediately behind you (forming your level 1). There is no limit to the size of your unilevel construction, with each new member generating a new leg.

How Much Does It Cost To Join Worth Unlimited?

How Much Does It Cost To Join Worth Unlimited

Membership to Worth Unlimited is a flat $149 price that enables members to participate and earn in the corporate compensation scheme. For some reason, Market America members are not able to be recruited as Worth Unlimited members owing to a business agreement between Worth Unlimited and ‘Market America’.

Excellent results and early payoffs may also be obtained for free by applying a consistent amount of your own money each month to your highest interest rate loans and then rolling the money over to the next one when those debts are paid off.

This will accelerate debt payoff and save years. But what if you didn’t squander thousands of dollars on this program and instead utilized that money to get your debt paid or reduced?Please remember that Worth Unlimited isn’t the one who got an award for Entrepreneur of the Year in the financial services category.

Is Worth Unlimited A Scam?

Is Worth Unlimited A Scam

So, is Worth Unlimited a scam?

Not technically. You can make money with this program, but it’s definitely not as easy as the company makes it sound.

There’s a ton of work to be done upfront, no real guarantee of success, and – most importantly – the actual commissions are pretty small.

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re grinding it out for 3 months and then your reward is a $50 commission, it’s not really worth it.

What if, instead, you could do that same 3 months of work (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Real Estate

And, unlike an MLM, you can legitimately do this from anywhere. It’s a true lifestyle business.

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece


They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Real Estate.

Are There Alternatives To Worth Unlimited ?

are there alternatives

Yes, there are plenty of MLM companies to choose from if you want to pursue this business model.  Here are just a few:

What Is My Top Recommendation For Making Money In 2023?

Digital Real Estate

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Real Estate is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Real Estate is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Real Estate business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.


2) You Own & Control EVERYTHING: With MLMs and Network Marketing, you don’t really own anything. You have no control over the quality of products. You don’t even own your “team”.
Look at the fine print for most of the agreements folks sign when they join one of these companies. At any point, the company can change your commission structure, reduce your profit margins, or kick you out entirely.
With Digital Real Estate, you own the assets, which means you have all the power and all the control.


3) Little To No Startup Costs: It’s possible to get into Digital Real Estate with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.


4) No Inventory: Alright, so most MLMs don’t make you buy the products and fill your garage with them anymore (unlike the good ol’ days), but you’re still in a physical products business.

And physical products always have physical limitations. Even if you don’t have to manage the inventory, you still have to deal with supply chain shortages that cause major delays.

Imagine finally landing your first customer, and then losing them after one sale because they had to wait 6 weeks to get their order.

With Digital Real Estate, a 100% online business, you never even have to think about that risk.


5) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with an MLM, you’d have to double your customers OR double the average order size of your existing customers. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.

Lance Lead Gen

6) Make Money Helping Real People: This part is what makes it all worth it. In an MLM, your “upline” might convince you that what you’re selling improves people’s lives, but deep down, you likely know that’s not true.

Most of the time, you’re either selling a dream or a poor-quality, overpriced product with a fancy label.

And that makes it pretty hard to sleep at night.

But with Digital Real Estate, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Real Estate, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Real Estate makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours.

You could continue browsing, looking at opportunities like Worth Unlimited which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Real Estate.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Real Estate.

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