The Modern Living Scam: How a Wellness Brand Hides Its MLM Pyramid Behind Zoom Suits and Smooth Talk

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It started with a Zoom crash.

I was live on a hunt — poking around for signs of shady MLMs — when I stumbled into what looked like a corporate wellness meeting.

You know the type: company logos, buttoned shirts, people smiling politely on camera. No pitch decks, no screaming income claims — just a clean, well-mannered video call.

But if you know how these scams work, you also know appearances mean nothing. So I dug deeper.

And what I found was The Modern Living (TML) — a company claiming to promote “health, happiness, and lifestyle transformation”… while quietly running a textbook multi-level marketing pyramid scheme behind the scenes.

Let’s break down exactly why this “wellness business” is anything but modern — and certainly not living in legal clarity.

1. Retail? Or Just Internal Consumption Disguised as Sales?

TML says you earn 8% Retail Income on every product sale. But they don’t distinguish between real customers and recruits buying from inside the system. That means most so-called “retail” is just distributors buying products to qualify for commissions — a tactic regulators worldwide have flagged as a pyramid scheme red flag.

If there’s no real customer base outside the compensation plan, it’s not retail — it’s just churn.

2. Team Retail Income = Classic Downline Commission Pyramid

TML pays commissions five levels deep:

  • 1st Generation – 4%
  • 2nd Generation – 3%
  • 3rd Generation – 3%
  • 4th Generation – 2%
  • 5th Generation – 2%

You don’t get paid for selling. You get paid when the people you recruited sell. And when the people they recruited sell. And so on.

This is classic MLM — multiple generations of payout incentivizing endless recruitment.

3. Leadership Income Rewards You for Building a Pyramid

Want more money? Build more ranks.

TML’s “Leadership Income” system gives you up to 15% extra income once you hit higher sales milestones — like ₹30–90 lakhs in P.V. (Point Volume). And what do you need to hit those milestones?

A huge downline. A lot of internal purchases. And a ton of pressure on your team to keep buying — not because the products are good, but because the comp plan demands it.

4. Rank Bonuses Based on Downline Performance, Not Retail Sales

If you want to rise through the ranks, you’ll need to help your team hit their own quotas. That means more recruiting, more training, and more pushing product on whoever will listen.

And the higher you go, the more of the company’s turnover you get access to:

RankBonus from Turnover
AVP3% (shared)
VP+2% (shared)
SVP+1% (shared)
President+1% (shared)

These percentages come from the company’s total revenue, not profits. That’s unsustainable unless new money keeps pouring in from new recruits.

Sound familiar?

5. Compression Hides the Churn

TML uses a sneaky trick called compression: every pay cycle, inactive members are “removed” from the tree so commissions can skip over them.

It makes the income look stable. But in reality, it’s hiding the fact that people are quitting all the time — because they’re not making money. It’s smoke and mirrors designed to keep you chasing that next rank while the system crumbles behind you.

6. Foreign Trips and Cash Prizes = Lifestyle Bait

Like any good MLM, TML dangles the dream:

  • Hit 2-Star? Take a foreign trip.
  • Hit 5-Star? Here’s ₹2 lakh in cash.

These shiny incentives are bait to keep you locked in and spending, hoping you’ll be the next “success story” — while ignoring the 99% who lose.

7. The Zoom Call That Gave It All Away

Let’s go back to that Zoom call. It wasn’t a public pitch. It wasn’t even a training session. It was a corporate get-together — team leaders, insiders, the real inner circle.

That’s what makes it even worse.

These weren’t people learning about the company. They were the company — and they were sitting around in suits talking business as if this were a clean, legal operation.

Now we know better. We’ve reviewed the Business Plan. We’ve broken down the comp structure. And we’ve exposed the same pyramid-shaped logic that’s been sinking MLM victims for decades.

Final Thoughts: Don’t Be Fooled by Polished Logos and Corporate Talk

The Modern Living is not about wellness. It’s about building ranks, qualifying for bonuses, and recruiting downlines.

It doesn’t matter how sleek the Zoom background is — if your income depends on building a team who also builds a team, then you’re not running a business. You’re feeding a pyramid.

And if you’re sitting in a meeting smiling about “personal growth” while quietly extracting income from five generations below you — you’re not an entrepreneur.

You’re a cog in a very old, very harmful machine.

Disclaimer: How This Investigation Was Conducted

This investigation relies entirely on OSINT — Open Source Intelligence — meaning every claim made here is based on publicly available records, archived web pages, corporate filings, domain data, social media activity, and open blockchain transactions. No private data, hacking, or unlawful access methods were used. OSINT is a powerful and ethical tool for exposing scams without violating privacy laws or overstepping legal boundaries.

About the Author

Danny de Hek, also known as The Crypto Ponzi Scheme Avenger, is a New Zealand-based investigative journalist specializing in exposing crypto fraud, Ponzi schemes, and MLM scams. His work has been featured by Bloomberg, The New York Times, The Guardian Australia, ABC News Australia, and other international outlets.

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