Small Money Concepts

You're already posting your trades. Get paid for it.

Every time someone joins Small Money Concepts through your link, you earn a percentage of what they pay me. Not once. Every month they stay.

You already have the audience, you already talk about this, and you already know whether the program is any good because you're in it. The only thing missing is the link.

What you earn

Three levels. You move up by doing more.

All of these are recurring, meaning you keep earning every month that person stays a member, not just when they sign up.

8%Base

You get this the moment you grab your link. No application, no conversation, nothing to qualify for. Post it when you feel like it.

If you send one person to Mentorship Pro and they stay six months, that's $192 for a link in your bio.

Requirement: none

15%Creator

Almost double the base, for actually working it. This is a real but manageable amount, the version you can do around a job or classes.

Every week
  • 1 TikTok live. Trade it, or break down what you took that day.
  • 1 TikTok post. Your trades, your charts, what you're learning.
  • 1 Snapchat story. Thirty seconds, and the people who already know you are the easiest ones to convert.
  • Link in your bio. That's it.

That's the floor, and nothing stops you going past it. Post three times instead of once and you'll earn roughly three times as much, at the same 15%, without asking me for anything. Your income tracks how much you put out, not just your rate.

It's based on whether you're posting, not how much you've sold, so you can be at 15% before you've made a single dollar. Message me and I'll switch you over.

20%Partner

This is the one to aim at. It's roughly three times the work of Creator, and it pays a lot more than three times as much. The section below shows why.

Every week
  • 3 TikTok lives. Non negotiable, and it's the single thing that moves the number most. People buy after watching you trade, not after watching a clip.
  • 3 TikTok posts minimum. Three is the floor, not the target. The people who do best here are posting five to ten.
  • Every post also goes to Instagram. Same file, same caption, thirty seconds of work, completely different audience.
  • 1 Instagram story and 1 Snapchat story. Your close friends and your school convert better than strangers, and this is the least effort of anything on the list.

Consistency is the actual requirement. Doing this for one week is easy and doesn't count. I'm looking at whether it held up over a month.

The rules, in one place

How you get a rate, and how you lose it.

So there's never a question. Rates are decided on what you posted, not what you sold. I check at the end of each month, changes take effect on the 1st, and I tell you by DM either way.

TierWeekly floorHow you get itHow you lose it
8%
Base
  • Link in bio
 Automatic when you join. You don't. It's the floor.
15%
Creator
  • 1 live
  • 1 TikTok post
  • 1 Snap story
  • Instagram linked, link in bio
 Two weeks in a row at the floor, then message me. Switched on the following month. Miss the floor 2 weeks out of any 4, you're back to 8% next month. Two good weeks and you're back up.
20%
Partner
  • 3 lives
  • 3+ TikTok posts, all also on Reels
  • 1 IG story + 1 Snap story
 One full month at the Partner floor, every week of it. Switched on the following month. Miss the floor 2 weeks out of any 4, you drop to Creator next month. A full month back at the floor and you're Partner again.

Nothing is retroactive. A rate applies to what's paid while you hold it, so a good month never gets clawed back and a bad month never gets back-paid. That's what keeps it fair in both directions.

The part worth understanding

Partner isn't 5% more. It's about 3× more.

If you only look at the rate, going from 15 to 20 doesn't look worth tripling your output. That's the wrong way to read it, and here's why.

 CreatorPartner
Your rate15%20%
Lives per week13
StoriesSnapSnap + IG
TikTok posts per week13+
People you'd realistically bring inper month, at that output~3~8
Where your income settlesonce it's built up~$960/mo~$3,400/mo
Read the bottom row again

The rate went up by a third. The income went up three and a half times. That's because most of the gain isn't the percentage, it's the reach. Three lives a week doesn't get you three times the attention of one, it gets you more, because the algorithm rewards showing up and people start expecting you at a certain time.

Which is also why the honest advice is: don't sit at Creator. Creator exists so you can start without overcommitting. It isn't where the money is.

The honest version

How that $3,400 actually shows up.

Not all at once. This is Partner, at eight new members a month, month by month. I'd rather show you the real shape than a screenshot of one good week.

MonthPeople you've brought inWhat you're earning
Month 18$427
Month 216$853
Month 324$1,280
Month 432$1,707
Month 648$2,560
Month 8 onwhere it levels out64$3,413
Read this part twice

Month one pays about four hundred dollars. Not four thousand. If you're looking at that and thinking it isn't worth it, this isn't for you, and I'd rather you find that out now than in three weeks.

The reason it grows is that you keep earning on everyone you've already brought in while you bring in new ones. Month four is roughly four times month one for the same amount of work that month. That only happens if you don't stop.

Almost everyone who quits does it in month two, looking at a small number and deciding it's broken. It isn't broken. It's just early.

What that assumes

Eight new members a month, and people staying around eight months on average. That's two sign-ups a week, sustained, off three lives and three posts a week. It is a real amount of work and I'm not going to pretend otherwise. Most people won't hit these numbers. The ones who do are the ones who went live when they didn't feel like it.

Past Partner

What happens if you outgrow this.

20% is the ceiling on the percentage, and I'd rather tell you that now than have you assume there's a 30% tier waiting. Above Partner, it stops being about rate.

  • Milestone bonuses. Cash on top of your normal commission when you hit a real number of active members. Paid once, separate from the percentage.
  • I push your account. I have the biggest audience in this thing and it costs me nothing to point it at you. For someone building a page, that's worth more than a few points of commission.
  • The content pool. My screenshots, my payouts, my charts, for you to edit and post as your own so you're never stuck for something to put up.
  • Actual work, if you want it. If you're consistently at the top of this, the conversation stops being about affiliate rates and starts being about paying you properly to do it.
The actual job

How to actually make it work.

The lists above are what you post. This is how to make what you post convert. None of it is a secret method.

  • Go live at the same times. Three random lives beat none, but three lives people can expect beat everything. Pick your slots and keep them.
  • Post your own screenshots. Your trades, your payouts, your charts. Real ones.
  • Talk about what you're learning, not just what you made. The people who buy are the ones who saw you go from confused to competent.
  • Say what your link is out loud on live. People watching won't go hunting for it. Tell them it's in your bio, more than once, and it sends them to the website rather than straight to a payment page.
  • Don't only post wins. A losing trade you explain properly builds more trust than ten green screenshots, and it's the thing almost nobody else posts.
Why this converts better for you than it does for me

I can tell people the program works. That's marketing and everyone discounts it. You telling people it worked for you is something else entirely, especially if they watched you learn it in real time on your own account.

That's the whole reason this program pays what it does. You have the one thing I can't manufacture.

Getting set up

Six steps, one evening.

Do them in this order. Step 4 is the one that holds everything else up.

TikTok: yourname.smc

Personal account, not Business. Business accounts get a bio link early but lose most sounds, and reach matters more. TikTok gives you a bio link and Live at 1,000 followers, and the next step covers you until then.

Instagram: same handle, linked from TikTok

Make it a Creator account, same name, same profile picture, same bio. Then TikTok → Edit profile → Instagram → connect, so it shows as a button on your TikTok. Every clip you post on TikTok goes up as a Reel too.

Your link goes in the Instagram bio

Your link is smallmoneyconcepts.com/yourname. It sends people to the full website with your name attached, so they land on the program rather than a payment page. The day you cross 1,000 on TikTok, put it in that bio too.

Whop: make an account, set your username to yournamesmc

Sign up at whop.com with the email you want paid to. Settings → Profile → Username → yournamesmc, lowercase, no dots. Then join at whop.com/smallmoneyconcepts/affiliates. Your clean link is wired to that username, so if you had to pick something else, tell me exactly what.

Whop: set up payouts now

Settings → Payouts. It wants ID and a bank or payout method, and it can take a day or two to clear. Do it before your first sale, not after.

Send me four things

Your TikTok @, your Instagram @, your Discord username, and your exact Whop username. I set your rate, turn on your link, give you the Creator role, and send you your overlay.

Ready? Start the setup.

Setup is one evening, and your link starts earning from the next person who uses it.

whop.com/smallmoneyconcepts/affiliates
Ground rules

Things that end this immediately.

  • Don't promise anyone they'll make money. No guaranteed returns, no "you'll be profitable in a month". Say what it actually is, which is teaching.
  • Don't post fake screenshots, and don't post someone else's results as your own.
  • Don't run paid ads on Small Money Concepts or bid on the name without asking me first.
  • Don't spam. Mass DMs and comment spam get accounts banned and make the whole thing look cheap.

These aren't me being difficult. Promising people trading returns is the single fastest way to get a trading education business shut down, and it would take all of this with it. Be straight with people. It converts better anyway.