Why I quit the Tardus coaching services and affiliate program

Even though I’ve decided to leave Tardus, it is not because Tardus is a bad program. In fact…

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Tardus is an excellent program.

It gave me hope for retirement within 10 years… something that had been hanging over my head like a death sentence. I have been a contract computer programmer for 2 decades but never saving anything for retirement. And of course most retirement programs are outdated and slow, taking 20-40 years and millions in savings to work.

So if Tardus is so great, why are you breaking from it?

Leaving Tardus means I’m leaving two things: their personal coaching and being an affiliate of theirs.

Marketing for Tardus is not residual

It’s fairly easy to understand why I would not want to market Tardus. I busted my chops for about 6-8 months of daily posting Tardus videos at my TikTok channel. I generated a lot of awareness about Tardus and got 80+ opt-ins and closed 1 sale… but that 1 sale was a 1-time payment to me. If I had brought that person into my life insurance program, I would be paid for 10 years on that person and the entire deep/wide network that person produced… quite a difference in compensation.

Now, having an MLM-style comp plan presents legal issues for an international company like Tardus… but that has not stopped Herbalife and Melaleuca and Amway and others from spreading into many nations… but it is a serious hurdle to tackle and Tanisha may not have the time/energy/interest to tackle it.

But it’s in my best interest to get the most I can for the people I refer.

I have limited resources for investment

Well, currently, I cannot commit financial resources to both Tardus and the other thing I opted to do: in other words, I put $850 of my personal cashflow into Tardus monthly and put in $1200 from investments monthly. But I would rather commit $2,000 monthly to Indexed Universal Life Insurance and with my job situation I cannot pump another 2k into both programs.

Tardus is fiddly and experimental with investing.

The investment aspect of building a Tardus income snowball is a moving target – they try different things and encourage their clients to try different things… but neither Tardus or the clients are investment experts… and sometimes they get burned (e.g. falling for the DRIVE planning ponzi).

In contrast, Life Insurance and Private Reserve Banking (infinite banking) predate the IRS and the federal reserve. And their ability to build wealth even through depressions which occur every 7-12 years is demonstrated.

For the duration of my 2 years with Tardus, I relied on Legacy Wealth to generate profits. They did fine with my conservative portfolio but I put 20k into an aggressive product of theirs and it was teetering on complete collapse, so I pulled out early. Putting that same 20k into Indexed Universal Life would have either grown in value or stayed level – IUL policies either hold or gain… they historically dont lose.

I never solved my “line of credit” problem in Tardus.

The big pain in the neck with Tardus was fear of having enough funding for larger flips. The other pain was paying 20% cash-advance fees on corporate credit cards because I did not have a personal line of credit… even with 700 FICO across the board. IUL policies dont have this problem because you become your own bank and can borrow against your policy 36 times per year.

An emergent con of Tardus – destroying the facebook forum in favor of live mastermind groups

Tardus had a facebook forum that I found quite useful to search through and conduct conversations on. ..

It was destroyed once by adding 80 million group chats

At first it was just a discussion forum and it was easy to search. Then they added a large number of realtime chat channels. Which means that vital information was no longer available unless you exposed yourself to a large number of realtime chats… which is not my thing.

Then it was destroyed twice and finally by removing it… immediately and without notice or truly consulting the members

Imagine that: one day you have a resource. And the next day, it’s gone and people are scratching their head because no advance notice was sent… unless you call this advance notice:

Here’s what Tardus said about getting rid of the Facebook group:

Clients have been asking us for mastermind groups with other Tardus clients. We know you want to know what others are doing, what mistakes they’ve made, how to conduct due diligence on new investments together, and get peer feedback about your specific situation without being pressured to buy products and services!

We’ve heard that the private FB page doesn’t meet these needs and that’s why we’re looking at other alternatives!

If this is something you think you would be interested in participating in, please reply to this email with:

MASTERMIND – YES! And please include your time zone and the best time of day for you to participate.

We’re looking forward to hearing from you.

And here is what I have to say about what Tardus has to say:

the mastermind groups are going to segregate people based on realtime availability: the facebook group allowed people to connect when their time permitted.
when you say “We’ve heard that the private FB page doesn’t meet these needs” I dont know who you heard that from: I was not asked and I would not agree. I STATE THIS EMPHATICALLY.
Furthermore, why are you removing the facebook group altogether? It seems like a wonderful compliment to the Mastermind sessions.
Why is the only reply to this email to say “yes”… why can’t we say “no” and you tally the votes and give us transparent feedback on the voting results?

Destroying the facebook group destroyed a huge treasure trove of many years of information. It has me wondering if there is not another reason for such an abrupt change without notice.

A big pro of Tardus – no health/age requirements to join

Some people who wanted to do million dollar life insurance policies were rejected for health reasons. You can be overweight, 100 years old, smoke, drink, etc and still build the Tardus income snowball. They will welcome you with open arms. Life insurers probably will not.

A minor con of Tardus – Tanisha, your book is good, but relax on the promotion please:

The income snowball is truly a gift from God. Here we have an attorney sitting at lunch with her husband and she says: “I’m having a download from God. Give me something to write on”… and a person with no background in finance comes up with a program unique and powerful enough to be patented and help 7000 people

But she has been over-promoting her book. For instance, check this out:

that’s right. In 1 hour, TWO emails soliciting Tardus members about the book.

Next steps

For those interested in Tardus and the income snowball, I would suggest looking into her book and also Networthy. I do not think the recent changes in Tardus make it worth paying $300/mo for. The VIP program in Tardus is for well-capitalized people who want 5 figures of cashflow VERY quickly. I think the frequency and aggressiveness of the VIP program is probably worth the money.