Earlier this month a reader reached out with details of a business opportunity run by Bob Schafer.

Update 6th April 2022 – 
A reader in the comments has let me know Schafer also goes by “Bob Shaffer”.

Bob and Jan Shaffer (his wife) run their scam out of their modest home in upstate New York.

/end update

A pitch of the scheme, which doesn’t have a name, was
uploaded to YouTube
on March 2019.

In my own research I discovered marketed for Schafer’s scheme dating back to 2018.

In an effort to avoid regulators and fly under the radar, Schafer’s scheme goes by many names.

Here are some of the names I found used over the years:

Leveraged Breakthrough System

15K Money

10K Wealth Code

7K Money

Prosper With Bob

3D Wealth Machine

High-Profit Cashflow

Warrior to Wealth

The Big Income System

Proven Passive Business

New Year Abundance

Fast Start Side Hustle

There are no doubt others.

The reason for so many names is Schafer himself rotates them out periodically. Recruits also come up with names to market the scheme under.

Key people in Schafer’s scheme are:

Bob Schafer, aka Coach Bob

Oscar Christian Kinney, aka Coach Christian

Marc Wilson, aka “The Army Dude”

Participants in Bob Schafer’s pyramid scheme buy in at one of four levels:

Gold – $3000 + $247 admin fee

Platinum – $7000 + $447 admin fee

Diamond – $14,000 + $647 admin fee

Ultra Royal – $21,000 + $847 admin fee

Bundled with each buy-in is access to a digital product library.

Commissions paid out on each buy-in tier are as follows:

recruit a Gold tier affiliate and get paid $1500

recruit a Platinum tier affiliate and get paid $3500

recruit a Diamond tier affiliate and get paid $7000

recruit an Ultra Royal tier affiliate and get paid $10,500

The catch is you can only earn up to the tier you yourself bought in at.

E.g. You buy in at Platinum and recruit an Ultra Royal affiliate.

Your maximum Platinum tier commission is $3500, which you get paid. The remaining $7000 is paid upline.

The system searches for either a Diamond or Ultra Royal tier affiliate to pay the remaining $7000 to.

If a Diamond is found first, they are paid $3500 ($7000 minus the $3500 paid to you), leaving $3500 to be paid to first upline Ultra Royal.

If an Ultra Royal is found, they are paid the full outstanding $7000.

Nothing is ever passed up when an Ultra Royal tier affiliate is paid.

This pass-up component of Bob Schafer’s unnamed pyramid scheme is what makes it an MLM opportunity.

I have seen promotions where new recruits are “upgraded” one tier above what they buy in at.

I’ve also seen Ultra Royal tier new recruits offered a 25% higher commission than the 50% standard rate.

I.e. instead of earning $3500 on a Platinum tier recruit you’d earn $5250.

Based on marketing videos, participants in Schafer’s scheme mail buy-in funds to each other.

The bottom line is Bob Schafer’s business opportunity is a pyramid scheme.

Nothing is sold or marketed to retail customers. You’re paying a b

🤖 Quick Answer

What is Bob Schafer's unnamed mail fraud pyramid scheme?
Bob Schafer and his wife Jan operate a pyramid scheme from upstate New York using multiple aliases to evade regulatory detection. The scheme, lacking an official name, has been marketed under various names including Leveraged Breakthrough System, 15K Money, 10K Wealth Code, and Warrior to Wealth since at least 2018.

How many different names has Schafer's scheme used?
The scheme operates under at least nine documented aliases: Leveraged Breakthrough System, 15K Money, 10K Wealth Code, 7K Money, Prosper With Bob, 3D Wealth Machine, High-Profit Cashflow, Warrior to Wealth, and The Big I, employed strategically to circumvent regulatory oversight.

When did marketing for Schafer's scheme begin?
Marketing materials for Scha

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