Hello, I am Abhijit, I would like to tell my story and maybe someone here will have something to learn my experience. I am from a joint family and my brother introduced me to IM some years back. We both used to work like 12-15hrs a day. Both of us are developers and we have quit our jobs and got in to IM. We use to create a lot of sales funnels for CPA products. I use to take care of the technical part, my brother takes care of research, planning and traffic (testing, optimizing etc). My sister in law (brother's wife) joined us too and we made a killing. We had seen the best days of life. My brother use to help a lot of people in need and his wife completely supported him. Later my brother started taking up investments for our CPA campaigns, we use to run XX,XXX campaigns a day. Everything went fine and we used to pay 25-40% for investors, my brother took investments to get better media buy deals. We got a team setup in our house and paid high salaries etc etc. Another year passed, we are absolutely happy. My sister in law got pregnant and she had worst health conditions unfortunately . She was taking care of running traffic campaigns while my brother was creating campaigns. Me as I said, I was taking care of technical part. We had to admit her to hospital and her health got worse due to complications. My brother was off too and handed everything to me. It was too much for me while at the same time, my diabetic father got sick. My fate. Two employees who got in to IM have stolen our traffic for 4 days and diverted to their landing pages. A clever manipulation and they are our relatives too. My brother found it and he did not say a word to me. He said it is his fault, he should have stopped the traffic before he left. But it was too late. 80,000 USD was spent in the 4 days on a total of 17 campaigns. Traffic was only delivered to 3 sites as they could not change the URLs. He was trying to recover from the loss, he did not even take any police action against the employees. They did not earn much money as well, since their websites did not convert well. Because my brother does a lot of research and testing before he run serious paid traffic. He takes around 2-3 weeks to test and optimize the campaigns. He usually talk very less and very soft person. After a month or so, he got issues with paypal as he was doing large transactions. Our account got 180 day reserve. Everything got ruined in our lives. We had some money left which we earned early, he paid that money to investors. The mistake he did was, he paid principal and ROI (25-40% for 40 days) as well. I thought he should have convinced his partners and pay the principal plus some interest as he was making them a lot of money since almost 2yrs. We have got some money left and brother used it to create some more campaigns immediately. Still we were the rest of our employees as getting a job here in our country isn't easy and they have families to take care off. So he want to provide some and he was very confident that he can make some money on new ones. The older ones will work on large media buys only, or else there will be almost no good ROI or will get negative ROI. Since funds are limited, he started creating new ones. Due paypal mess and other things, the new ones did not work well for us. All money is used for testing etc. The thing, I thought is he is very depressed with what had happened. He is too sensitive and he could not take what happened. While his wife worked along with us even during the last trimester without proper diet and due to irregular timings, she suffered a lot while at the same time, she use to sit in front of the system for long hours. We all worked like hell and made some money but all in vain, that money was only sufficient for paying salaries, hospital fees, clear investor's debt etc. My father got sick and had to under go a major surgery but he is diabetic and so we had to take more care. We had seen the most dark days in our lives. While a new baby entered our home, my brother was happy and took more investments hoping to make money again. As per our request, all employees left and finally 3 of us remained to work in a family of 8. Nothing turned out well for us and finally we quit the business and my brother got in to job. He has taken up 2 jobs, one full time and another one part time. Salaries are too low but we need to earn money to survive. He is using that money to slowly clear his debts. I took up freelancing and supporting myself and little bit to my family. My sister took up a job and she is supporting my father's hospital expenses and other things. My mom and sister in law are taking care of our kids and family. I have saved some money from my earnings and going to start a journey here on this forum soon. Actually my thread is pending approval. I have started this project 1 month back. That is my story. I am 31 now and not even thinking about my marriage now... Me and my brother hope, we start our business again with proper planning etc and settle down and do not repeat the mistakes we made previously. He is too depressed and he always remains moody though. I want to setup a business myself first and clear our problems first with the money i earn and then he should be fine. Wish us good luck!