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5 Step Formula Review: What Is Included Price Refunds and Claim Limits

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Quick answer

What it is An online business course and membership.
Seller's main claim or feature Turn your cell phone into a miniature cash printing ATM
How much and key terms Single Membership: 17.00
Biggest limit Typical results, full tool costs, renewal, and refund steps are unclear.
Best use of this review Compare the seller's claims, total cost, fit, and missing facts before you decide.
Last checked September 19, 2026; recheck changing prices and terms.
Product Page: Check the current seller page

Disclosure: Some links may earn us a commission at no extra cost to you. That does not change our review.

What this means for you

Who may find this useful? Readers comparing an online business course and membership. It is a poor fit if a missing fact is essential to your decision.

Why does it exist, and how does the pitch work? The seller highlights: Turn your cell phone into a miniature cash printing ATM. That explains the claimed benefit, but it does not prove the result for you.

What is the practical impact and trade-off? Typical results, full tool costs, renewal, and refund steps are unclear. Your decision should turn on fit, total cost, evidence, and the return or cancellation path.

Is the offer legitimate, and could you get scammed? The reviewed product page is on my5stepformula.biz. Match the domain before checkout, avoid impersonation or phishing pages, save the contact details, and watch for hidden renewal or refund friction.

What are your alternatives? Compare another product in the same category, use a simpler option you already own, or make no purchase.

Fast check: Ask what is taught. Ask who teaches it. List each tool.

List each fee. Count each upsell. Read the refund rule.

Save the sales page. Save the receipt. Set a time limit.

Set a loss limit. Do not borrow to join. Do not trust a rush clock.

Stop if the work stays vague.

By MeridianMedicalCentre.com Health Research Team

What Is 5 Step Formula?

5 Step Formula is an online business course and membership program reportedly created by David Humphries, according to the seller. The product is marketed as a “100% self-contained marketing machine” and claims to provide members with everything needed to start earning income online without using Facebook ads, Google, Amazon, crypto, or affiliate networks.

According to the product's materials, 5 Step Formula positions itself as a system for people seeking to work just 10–15 minutes per day while earning full-time income. The program claims to have received a rating of 5.0 stars with 1,176 verified reviews. It describes itself as the “best of 2025.”

Included in the Membership

The 5 Step Formula membership package includes instant access to a members-only portal with password-protected training content. Members receive access to 2-minute training videos organized within the portal structure.

New members are also offered complimentary upgrades that are normally priced at $197. The program includes “LIVE training from industry earners,” though specific scheduling and duration details are not publicly disclosed. Members are promised instant placement with the commission team and the ability to start earning on the same day they purchase.

No experience is required to join. The system is structured for rapid onboarding—members receive instant access upon purchase and immediate commission team integration.

Pricing and Payment Structure

The captured seller page displayed 17.00 for a single membership, but the currency and final checkout total need confirmation. This is the entry-level cost for full access to the members-only portal, training videos, and placement with the commission team.

Buyers should check the current pricing on the seller's product page, as promotional rates or bundle options may be available at the time of purchase. Whether this is a one-time fee or subject to renewal terms is not publicly disclosed.

Feature Details
Entry Membership Cost 17.00 shown on the captured seller page; confirm currency and final total
Complimentary Upgrades Value Normally $197
Instant Access Yes
Commission Team Placement Included
5 Step Formula Product Page: 5 Step Formula

Claimed Features and What Is Unknown

5 Step Formula says the system needs no Facebook ads, Google, Amazon, crypto, or affiliate networks and claims to provide everything needed for online success. The reviewed material does not disclose the specific income mechanism, typical member results, complete tool costs, or the business model's long-term viability.

Is 5 Step Formula Legitimate?

5 Step Formula operates as a digital product sold through a direct seller website. The seller associates the product with David Humphries and identifies him as the founder. The business uses a membership portal model with instant digital access, which is a standard e-commerce structure.

No independent third-party check of claims or earnings potential is available. The stated 60-day guarantee is a seller-backed refund policy, not an independent safety seal or certification.

The program is aimed at beginners who want a guided online-business system, but it is a poor fit if you need a public syllabus, typical-results data, clear ongoing costs, or a proven income outcome before paying. The reason for caution is that access to training does not create traffic, customers, or profit by itself.

Alternatives include free small-business resources, testing one manual service with a real customer, or choosing a course that publishes its curriculum and full tool costs. To avoid a look-alike or refund scam, match the my5stepformula.biz domain, save the sales page and receipt, and obtain the exact refund submission steps in writing.

What to Check Before Buying

Before buying 5 Step Formula, we recommend the following check steps:

  • Visit the seller's product page directly to confirm current pricing and terms.
  • Request a sample of the training videos or curriculum outline to evaluate content quality.
  • check the seller's guarantee terms, including refund procedures and any stated conditions or exclusions.
  • Confirm that you understand how income is generated before committing. A business system should explain its revenue mechanics clearly.
  • Check the seller's contact and support details to ensure customer service is accessible if issues arise.

Next Steps

If you are still interested, use the seller page to review the current offer, price, billing type, and guarantee terms. Ask for sample training material, a complete syllabus, all expected tool costs, and the exact refund procedure. A stated 60-day guarantee does not remove the risk of lost time, return friction, or added costs.

Related reading

Read these same-site resources before you decide: 5 step formula; Digital atm system training site builder earnings due diligence guide.

Golden Portfolio’s “I Told You So”: Newsletter Offer and Subscription Checks

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Affiliate disclosure: This article contains sponsored links to a newsletter seller. We may receive compensation if you purchase through those links. This article discusses a financial newsletter product only. Nothing in this article constitutes investment advice, a recommendation to buy or sell securities, or a guarantee of returns. Seller page information was captured for review purposes; prices and terms may change. Capture date: September 14, 2026. Seller page captured on September 14, 2026. Prices and policy wording may change.

By MeridianMedicalCentre.com Health Research Team

This is an AI-assisted desk review. We did not test the product hands-on.

I Told You So

Presented by: Golden Portfolio (seller-stated)

Publisher credential (seller-attributed): Garrett Goggin CFA, CMT

Stated offer price: $189 (seller-stated; final billing and renewal terms not independently verified)

Seller-stated guarantee: 30-Day Golden Guarantee

Seller-stated inclusions: Quarterly written reports on picks; Members' Only Access to the GPIV Live Model Portfolio; GPIV Live Fundamentals (real-time data); “Everything Exchange” bonus report; Starter Guide: Why Golden Portfolio IV Is Your Ultimate Gold Investment

Product Page: I Told You So

What the Seller Page Describes

“I Told You So” is a newsletter offer presented by Golden Portfolio, also referred to as GPIV in the seller's promotional copy. The seller page describes it as a vehicle for delivering stock picks — specifically “Three Top Picks” — along with a stated fifth pick identified as the publisher's “current Top Rated Gold Royalty.” The stated offer price is $189, as presented on the seller page.

The seller attributes the newsletter to Garrett Goggin, listed with the credentials CFA and CMT. These credentials are seller-attributed and have not been independently verified by this review. The seller states that all picks can be bought through any major broker.

What the Seller Says Is Included

According to the seller page, a subscription includes quarterly written reports covering the GPIV picks, including a stated bonus fifth pick. Members also receive access to what the seller calls the GPIV Live Model Portfolio and GPIV Live Fundamentals, described as real-time data access as a story unfolds.

Two stated bonus items appear on the seller page: a special report titled “The ‘Everything Exchange'” and a Starter Guide with the stated title “Why Golden Portfolio IV Is Your Ultimate Gold Investment.” Both are described as included with the purchase. Sellers may change inclusions, so verify what is delivered at the time of your order.

Performance Assertions: Seller-Stated and Not Independently Audited Here

The seller's promotional copy states that past performance figures are “audited by a third party.” This audit assertion is seller-stated. This source check has not independently verified the auditing claim, the identity of any auditor, the specific figures cited, the time periods covered, or the methodology used. Past performance, whether audited or not, does not guarantee future results.

Nothing in this review confirms the accuracy, completeness, or reliability of any investment-related assertion in the seller's promotional materials. Financial newsletter subscriptions carry risks that are separate from any content claims. This article does not endorse any investment strategy or recommend purchasing or selling securities.

Billing, Cancellation, and Guarantee: What This Check Could Not Establish

The seller page states a 30-Day Golden Guarantee. The complete mechanics of that guarantee — including how to request a refund, the exact refund amount, whether it is one-time or prorated, and cancellation steps — were not established by this source check. Whether the $189 fee is a one-time charge or a recurring subscription, and any renewal pricing, also was not established by this review.

Buyers who need to know the exact billing and cancellation terms should confirm those details directly through the seller page before purchasing. Do not assume that a stated guarantee resolves billing questions that are not spelled out on the seller page.

What This Review Cannot Provide

This review is a source-bound check of what appears on the seller's promotional page. It does not assess whether the newsletter's investment ideas are sound, whether picks have performed as described, or whether the product is suitable for any individual reader. No securities analysis, legal review, or financial due diligence was conducted.

Readers comparing financial newsletter offers may find these related reviews useful: War Bond Blueprint: a seller claims and subscription check and Money Surge Frequency audio program: earnings claims reviewed.

Before You Buy

Confirm current prices and final terms on the product page and at checkout before you pay.

For current pricing, guarantee terms, listed inclusions, and seller contact details, visit the I Told You So seller page directly and verify the terms before purchasing.

The 10.3% War Bond Blueprint: Seller Claims and Subscription Check

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Commercial Disclosure: Product links may be monetized; purchases through a monetized link may earn this publication a commission. This article reviews seller claims for a subscription product. It is not medical advice, investment advice, or a recommendation to purchase. Verify all terms, returns, and eligibility directly with the seller before subscribing.

The information in this article is based on peer-reviewed research, published clinical studies, and guidance from recognized health organizations including the National Institutes of Health (NIH) and the FDA. Individual results and experiences may vary.

By MeridianMedicalCentre.com Health Research Team

Seller material captured September 14, 2026. Prices and policy wording may change.

The 10.3% War Bond Blueprint — Product Details

  • Product Name: The 10.3% War Bond Blueprint
  • Included Content: 12 monthly issues of Generational Wealth Strategies
  • Added Benefit: Quarterly Conference Calls with live insights
  • Member Access: VIP Access to Private Website, including complete archive of past issues and reports
  • Regular Price: $249 annually
  • Current Promotional Price: $99.95 (capture date: per seller statement)
  • Satisfaction Guarantee: Publisher-Backed 30-Day UNCONDITIONAL Satisfaction Guarantee; refund of full subscription price with no questions asked (dated seller term—verify current eligibility before purchase)
  • The 10.3% War Bond Blueprint Product Page: The 10.3% War Bond Blueprint

What the Seller Material Does Not Establish

  • The captured seller page does not establish any designed to deliver return, investment outcome, issuer identity, government backing, or annuity identity for publication.
  • The captured seller page does not establish tax treatment, legal treatment, investment suitability, individualized advice, or risk fit.
  • The captured seller page states promotional subscription language but does not establish durable renewal, billing, cancellation, or eligibility terms beyond the quoted seller copy.
  • The captured official seller page does not independently verify its financial marketing claims or report recommendations.

Critical Information Gaps for Subscribers

Several material unknowns affect subscriber decision-making.

Before acting on any information contained in the materials, consult a qualified financial advisor to assess fit for your specific situation, goals, and risk tolerance.

Next Steps for Interested Readers

If you are considering this subscription, take these steps: (1) visit the seller's page directly to confirm current pricing, commitment terms, and cancellation procedures; (2) review sample content if available; (3) consult a financial professional about whether the educational content aligns with your objectives. For additional buyer-verification resources on financial products, see our Money Surge Frequency Audio Program earnings claim check and AI Money Taps review and buyer guide.

To review the current offer terms yourself, visit The 10.3% War Bond Blueprint product page and confirm pricing, guarantee eligibility, and cancellation terms before subscribing.

This article was drafted with AI assistance and editorially reviewed.

Money Surge Frequency Review 2026: Seven-Minute Ritual and Earnings Claim Check

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Affiliate Disclosure: This article contains affiliate links and commission relationships with product sellers. We may earn a commission when you purchase through these links at no additional cost to you.

By MeridianMedicalCentre.com Health Research Team

Money Surge Frequency Review Quick Reference

Product Name Money Surge Frequency
Type Audio Program with Frequency Sessions
Format Audio recordings (guided sessions)
Access Digital download/streaming; instant access upon purchase
Components Morning Wealth Activation, Evening Mental Reset, Guided Wealth Visualization, Money Surge Success Journal
Refund Policy 365-day money-back guarantee
Pricing (observed Sept. 10, 2026) Single License: $29
Product Page: Money Surge Frequency

What is Money Surge Frequency and What Does It Claim?

Money Surge Frequency is described as a complete system with daily audio sessions designed to help people become calmer, more focused, more motivated, and more intentional. The marketing poses the question: Could a simple daily ritual help people become financially free from the everyday rat race? The program's tagline is “Today will be different.”

The core claim involves listening to a 7-minute frequency, with the manufacturer stating that something strange happens inside your ‘Money Brain' when you hear this frequency. The program frames mindset and behavioral change as drivers of financial improvement.

Program Components and Content

The seller lists four main components: Morning Wealth Activation Session, Evening Mental Reset Session, Guided Wealth Visualization, and Money Surge Success Journal. The seller also advertises unlimited access across devices with digital download and streaming delivery.

The underlying mechanism is described as precisely structured sound frequencies mathematically modeled after pyramid acoustics. The manufacturer claims measurable changes in brain activity occur across participants who listen to the tracks and that users will wake up with a greater sense of clarity within 30 days.

Claims About Money and Income

The seller makes the following claims about financial outcomes: that the recordings can help attract money almost effortlessly, that listening led to unexpected performance bonuses, inheritances, and loan repayments in some cases, and that when your thinking changes, your actions change and your future can begin to change. These represent the seller's marketing claims and outcomes attributed to the program.

Critical distinction: Money Surge Frequency is a mindset and audio program, not financial advice, investment guidance, or designed to deliver income method. No audio program can commitment income, replace financial planning, or substitute for employment, education, or professional financial advice. The seller's claims about financial outcomes have not been independently verified.

Scientific Claims and Verification

The seller claims that frequencies are scientifically tested by four neuroscience labs and that measurable changes in brain activity occur across participants. However, the captured product materials do not provide independent verification of these claims, access to published research, or identification of the testing labs. These represent the seller's claims about scientific support, not independently published or peer-reviewed research. Readers must verify any scientific support or independent testing directly with the seller before purchase.

Pricing, Access, and Refund Terms

Price observed on the official product page on September 10, 2026 was $29 for a single license. Current pricing may have changed. Verify current pricing directly on the product page before checkout.

The manufacturer offers a 365-day money-back commitment. Review the exact refund process, timeline, and any conditions on the product page before purchasing.

Important Unknowns and Critical Limitations

The captured product materials do not establish independent verification of the claimed neuroscience testing or any peer-reviewed research supporting the frequency mechanism. Readers must verify these claims with the seller before purchase.

Money Surge Frequency is a self-help audio program focused on mindset. It is explicitly not financial advice, income commitment, or substitute for professional financial planning. The program cannot and does not promise to increase your income, create wealth, or replace employment, business development, or professional financial guidance. Anyone struggling with financial stability should seek professional financial counseling, not rely on mindset audio alone.

The seller page reviewed for this article does not establish this field. Readers must verify it with the seller before purchase.

Prices, packages, and seller terms were observed on September 10, 2026. They may change or vary. Confirm the current product page and final checkout before you buy.

Before You Decide

Ask these questions of yourself and the seller:

  • Can the manufacturer provide published research or independent verification of the neuroscience claims? Request access to any peer-reviewed studies before purchase.
  • Is this program intended as a standalone path to income, or as supplementary to professional financial planning? If my financial situation is unstable, should I see a financial advisor first?
  • What exactly does the 365-day commitment cover? Can I request a refund if the program doesn't deliver the claimed results?
  • Does the creator disclose any financial relationship with the product, such as affiliate sales or revenue sharing?
  • What is the current price and any bundle options on the product page today?

See how Meridian checks other named income-related offers in the Digital ATM System due-diligence guide and Telehealth Profits. Neither page provides professional financial advice.

Visit the official Money Surge Frequency product page to review the program details, read customer testimonials, and verify the refund policy.

This content is for informational and educational purposes only and does not constitute medical advice. Always consult a qualified healthcare provider before making changes to your health routine, medications, or supplements.

This article was drafted with AI assistance and editorially reviewed.

Digital ATM System Search Guide: Training, Site Builders, Earnings Claims, and Due Diligence

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By MeridianMedicalCentre.com Health Research Team

Independent research disclosure: This is an evidence-first search guide, not a hands-on test. It contains no purchase link. Reviewed August 15, 2026.

Verification Brief

Search: Digital ATM System
Source status: Enough to explain the search and verification path; not enough for a finished-product efficacy verdict.
Your job: Decide whether a digital-business training program teaches a clear task, shows total costs, and supports any earnings message.
Decision rule: Match the exact package, label, manual, or contract before relying on a health, performance, or money claim.

Digital ATM System is a real search term, but the submitted source does not answer every question a careful buyer should ask.

A direct program page was supplied. This independent guide does not treat a training outline, tool list, testimonial, or commitment as proof of typical income.

When to pause the purchase

  1. Pause if the source names a different product.
  2. Pause if a key dose, specification, or warning is missing.
  3. Pause if a testimonial is doing the work of a controlled test.
  4. Continue only when the written terms match the checkout and receipt.

Three facts to collect first

  1. Write down what you must create, sell, maintain, and pay for after enrollment.
  2. Ask for written support for every earnings example and the percentage of buyers who achieved it.
  3. Read the access, update, support, cancellation, and refund rules before paying.

Keep the date, package photo, receipt, and written terms together. A live page can change; those records show the exact version you evaluated.

These Meridian pages let you compare evidence and disclosure without assuming two products share a formula or performance:

The category evidence that matters

FTC guidance says business-opportunity buyers should ask for written proof behind earnings claims.

A refund policy does not replace checking the work, costs, and risks before an investment.

Keep the contract, receipts, emails, and screenshots in case a financial dispute must be documented.

Those facts apply to the category. They do not establish that Digital ATM System produces a particular result. That conclusion would require a settled identity plus finished-product evidence.

Authority sources

The useful answer today

Digital ATM System can be researched responsibly without inventing the missing product facts. Use the checks above to settle identity, then judge only the claims the current evidence actually supports.

This guide provides general education, not diagnosis, treatment, legal advice, or financial advice. New, severe, or worsening health symptoms need a qualified health professional.

Medical Disclaimer: This content is for informational purposes only and does not constitute medical advice. Always consult a qualified healthcare provider before starting any supplement, medication, or treatment program. Individual results may vary.