Table of Contents

Marcel Fernandes’ Chat Money System Review – 3 Challenges Digital Marketing Brokers Face

June 19, 2024

chat-money-system-marcel-fernandes-review-header

The Chat Money System by Marcel Fernandes is an online training course that teaches you how to make money online by becoming a digital marketing broker. You send direct messages to businesses on Instagram and connect them with digital marketing service providers. Marcel shows you how to find lists of businesses to reach out to, how to approach them, and how to get them to pay you.

This Chat Money System review will uncover if brokering digital marketing services will pay you a passive income on Instagram and how it compares to the local lead generation business model that pays you a predictable income every month.

Pros

Marcel teaches you how to make money without having to make any monetary investment.

Marcel has made millions of dollars teaching this business model in the United States and Brazil.

You can do this business in any country in the world.

Marcel provides you with scripts and templates to put to work immediately.

Cons

After you purchase the course, not all the modules are available for you to view.

Selling digital marketing services on Instagram is not passive and requires you to send a massive number of messages to business owners.

Price

Chat Money System costs $97 and $28.62 per month for one-on-on coaching.

Refund Policy

The Chat Money System has a 60-day double your money-back guarantee if you're not happy with the course.

Training

13 training modules with over 30 videos of content.

Origin

Marcel's friend Diego, introduced him to this business model in

Reputation

Marcel appears to have a good online reputation, especially in Brazil because he's had many students make money with this business model. If you look on his Instagram, one of his Story Highlights shares many of his students that have made money with his Chat Money System.

January 29, 2025

Im getting $400 per month after 20 days into it

Jose

January 17, 2025

They are selling a lie. I purchased the “The Accelerator Program” and I did everything they told me to. I was told in the beginning by their team, and I quote, “You also get a 90-day guarantee if you follow our advice and don’t make money. You can take 100% of it back.”. But it’s not true because when I requested the refund, they told me I had to book AT LEAST 20 sales calls. But the thing is, they asked me to tell the clients they didn’t need to pay anything to go into the program and it turns out that they actually need to pay an upfront fee to get in. So basically they asked me to lie to the clients! How am I suppose to be successfull with 20 calls, if I can’t even schedule one because all the clients get upset once they understand we were lying to them?

Do not purchase this program. It is really dishonest.

Luís A

December 1, 2024

Yes

Sadiaislam78

November 5, 2024

I started this course and the main “Text to money secrets” was a pretty good investment in my opinion, but then I decided to invest more into “The Accelerator Program” after, but after 30 days I can confidently say that I am not satisfied my the result. I was going to get a refund but the policy says that I need to book at LEAST 20 sales calls and I haven’t even gotten to do one after a month even if I tried different ways of reaching out on Instagram and Facebook + a bit of E-mail. Over all I am now broke and feel like there are many other ways to earn money that would feel easier to me.

Mark

September 18, 2024

I purchased Marcel’s program about 30 days ago. He lies when he tells you you can return your investment within a week.

I am not impressed with his program AT ALL! I’m going to ask for a refund. Did someone in the above thread say they invested nothing?

I was charged over $1000. I don’t feel the money was worth what I got, which is nothing but a bunch of videos.

I paid for the weekly support and never once checked up to see if I needed any help. In the meantime, I came across another program called DEAL.Ai, in which I invested $160 for the first part. I’m way more impressed with this platform than Marcel. DEAL.Ai’s platform puts Marcel to SHAME.

Today, DEAL.Ai called to see if I had any questions and if I could navigate their site.

I ended up on the phone for 45 min. And because we didn’t cover everything I had questions on, he rebooked with me again for tomorrow. If you’re looking for a REAL Marketing Coach, definitely check out DEAL.Ai

Stefanie V

2.5

2.5 out of 5 stars (based on 14 reviews)

3 Challenges Digital Marketing Brokers Face

1. Little control

When brokering digital marketing services, you have little control over what type of results your clients are going to get. This is because you outsourced all the work to a freelancer on UpWork or Freelancer.com. If your client isn't happy with something, you can't immediately make changes because your freelancer is doing all the work. Hope they respond quickly so you can resolve your clients' problem should any come up. If the business decides they don't want to work with you anymore and the freelancer already did the work, then you're stuck with having to pay them anyway and you lose money. Not having control can be your downfall as a digital marketing broker.

2. Business Owners not trusting you

Though many business owners understand the importance of social media in business, there are still those who will simply not trust you. Some business owners prefer not to be sold on anything or make any business decisions on social media. Especially by someone who they just met and who hasn't established themselves as a legitimate brand. They may just want to use social media to showcase their work. Selling digital marketing services on Instagram is difficult unless you create an excellent sales funnel and video sales letter you can put into an ad.

3. Instagram may limit your new account

Instagram may limit your new account in the first month and may not let you send over 50 DMs in one day. This is because Instagram wants to keep fake accounts away and many marketers use bots for their cold outreach. If you're going to broker digital marketing services, you may have to take it easy for the first month, or so before you send hundreds of direct messages per day, which is ideal if you're going to sell digital services. Your actions on social media need to be natural if you want Instagram to leave your account alone.

Who do you learn in the Chat Money System?

Module 1)

In the first module of this course, you Marcel welcomes you to The Chat Money System and helps you set your expectations.

Module 2)

Module two is where Marcel talks about the mindset you need to have when starting this business and shares his best practices for getting the most out of his course.

Module 3)

In this module, Marcel helps you pick the niche you're going to get into and promote through Instagram messages.

Module 4)

Marcel shows you how to increase your status on Instagram by optimizing your Instagram profile.

Module 5)

In module 5, you learn exactly how to send Instagram messages to potential customers.

Module 6)

In this module, Marcel shares his proven scripts you can copy and paste as you reach out to business owners.

Module 7)

Marcel offers you the opportunity to partner with him by promoting his course as an affiliate. He explains all the details in this section, and the offer you'll promote. He also provides you with several offer examples you can copy.

Module 8)

In module 8, you learn how to draw interest from your potential customers, how to grow their desire to work with you and how to set up cold emails and direct messages.

Module 9)

There is only one video in module 9 that goes over how to follow-up with potential customers.

Module 10)

This module is titled "Rest Day". In business, you will always need a rest or not.

Module 11)

Module 11 is all about how to handle objections and turn leads into money. Marcel shares with you his sales script.

Module 12)

Marcel teaches you what to do after you've closed a deal.

Module 13)

In the last module, Marcel emphasizes the importance of winning. You learn how to continue making deals and not lose the momentum after closing your first deal.

Bonus Module: Instant Profits

In the bonus module in this course, Marcel shares 3 ways to make money fast. They are:

Infinite list (reaching out to the contacts in your phone and ask for a referral)
Garage sale
Flipping (go to Facebook marketplace, get free products and sell them back on the FB marketplace)

Who is Marcel Fernandes?

Marcel Fernandes is a 7-figure online entrepreneur from Brazil. Growing up, his family had little money to spare. When he was 20 years old, he was living in a studio apartment with less than $100 in his bank account. Many times, he didn't have enough money to buy food because his bank account had a negative balance. These financial problems caused him to have marital problems.

After learning how to make money online, his life completely changed. In his 'FalaMarcel1' TikTok account, he has over 290K followers who are mostly from Brazil and he shares content about how to make money online selling digital marketing services.

On his english Instagram account, he only has over 70 followers. His biggest market is clearly in Brazil.

How Marcel Fernandes Became A Millionaire at 26

Marcel's Background and Story

Marcel was under-privileged and was born in a third-world country, but he didn't let this stop him from achieving his dreams of becoming financially free. His life changed when he took the advice of Jim Rohn and Tai Lopez, particularly Jim Rohn's "Best Life Ever" seminar, which he attended about 5 years ago. This seminar reshaped his outlook from a "poor mindset" to becoming more optimistic and open to new business opportunities.

How He Became a Millionaire at 26

Marcel emphasized the importance of having the right mindset to achieve financial success. He was skeptical at first, but slowly learned that real progress isn't about uncovering secret strategies but about changing one's mindset. He stopped blaming external factors for his circumstance and took personal responsibility for his life.

Marcel's first business was dropshipping. He soon realized that there was more money in selling digital products rather than physical inventory. So he re-strategized and shifted his focus to digital course creation.

Marcel's Tips for Young Entrepreneurs

Marcel advises young entrepreneurs to change their mindset and focus on proactive thinking.
He recommends choosing high potential businesses (such as course creation and digital marketing brokerage) because they are more financially rewarding.
He recommends digital marketing brokerage for beginners because he believes it is an in-demand business in the social media marketing agency realm.

What's not mentioned in the video: Digital marketing is a highly competitive and saturated market. According to IBIS World, there are over 74,000 digital advertising agencies in the United States alone.

Is the Chat Money System legit?

The Chat Money System is legit if you've got extra time in your schedule to send direct messages to business owners. If you can automate the entire process with automation software, you may save time and reach out to more business owners offering digital marketing services.

The issue with this business model is that to make 6-figures, you've got to be on your phone all day. You have to spend time looking for business owners in need of digital marketing services and freelancers who are going to fulfill the work in a timely manner and do a great job. Also, if the company whose digital marketing services you're selling isn't as efficient, you may get a poor reputation which can hold you back from getting more sales.

There are too many aspects of this business model that are out of your control.

What Marcel teaches is good as a side hustle, as with other online business models, but should not be your main business.

Chat Money System Successful Students

Most of Marcel's successful students come from Brazil. But on his English language sales page, these students gave their video testimonials.

This student made $1,000 in her first month of joining Marcel's program. In her second month, she made $4,000 after implementing all of Marcel's strategies. Now, she's making an average of $6,000 per month in revenue with The Chat Money System. She gives Marcel and his course credit for teaching skills that allow her to make thousands of dollars each month.

This student didn't share his name, but he did share that he is making an average of $7,800 per month. According to him, this type of income and the course Marcel put together has allowed him to give his family a good life. This is something he says he is proud of. He is very grateful to Marcel.

Finally, this student shared that what Marcel teaches is one of the easiest methods on the market to make money. She claims to earn an average of $7,300 per month by working on her cell phone, copying and pasting messages to business owners.

Chat Money System #1 Alternative

Local Lead Generation Training Program by Dan Klein

The #1 alternative to finding digital marketing services is generating leads for local service providers using digital properties you own, control and rent out each month. That's what Dan Klein teaches in his Local Lead Generation training program. In it, you learn how to build a simple website offering a phone driven service people go to Google for. You rank the site at the top of the search results and send the leads to a local business owner looking to take on more work each month. Then you get paid every month for sending that business exclusive leads.

In this training program, you get taught the business model from website creation to Google ranking, sales and scaling. Every week, you can tune into two live coaching calls hosted by Dan an other highly successful students where you learn the newest ranking and renting strategies that can take your lead generation business to the next level.

These are the same strategies that help me continue to make over $50K per month in passive income.

When you join the program, you're given access to our private Facebook community, where you receive constant support and have access to the most valuable contacts and resources that you can use to your advantage in this business. Many students have created their own online programs because of what Dan Klein taught them.

Local Lead Generation Using Organic Traffic Is Better Than SMMA Brokerage on Instagram

Generating leads for local small businesses is better than brokering for social media marketing agencies. The biggest problem with SMMA brokerage is you don't have control over the business. Your credibility is at risk if the client underperforms. Since it is a commission-based job, income can be inconsistent and will fluctuate depending on the number of clients you successfully referred to SMMAs.

With local lead generation, you're positioning yourself and your clients in a way that will attract people who are already looking for their service. There is no need to waste time creating any campaign offering a digital marketing service that may or may not generate your clients more business. Your lead generation site is already ranked, and it's giving you consistent warm leads that keep your client's business going.

It's an evergreen market because you don't have to do any hard-selling.

This tree care site is a perfect example of how building and ranking a website on Google can pay $2,000 every month for 7 years or more.

It only took me a few hours to build the site, then a few weeks to rank locally. Ranking locally is easier because you're only competing with a few local business owners who have no idea how to market themselves on Google.

Once you rank your site, all you do is send the leads to a local business owner and have them pay you what you should reasonably get paid on autopilot month on month. Over 7400 students are building their digital real estate empire to earn a passive income. All the work is done upfront. After you rank your site, you don't have to do too much else to it.

To learn how to make money online by sending leads to local businesses instead of pitching digital marketing services, check out the local lead generation training program.

Follow Me

Ippei Kanehara

Founder/CEO

$52K per month providing lead generation services to small businesses

Ippei.com is for digital hustlers, industry leaders and online business owners.

His #1 online business recommendation in 2025, is to build your own lead generation business.