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It’s none of the above. Instead, its a trust fund designed similar to how the Social Security Trust Fund works (you may know it as Social Security). However, the comparisons in the following chart are what makes Livelihood Trust different.

We only require members to be 18+ years of age and a resident of the United States, but if you answer ‘yes’ to the following questions, you are likely suitable.

• Are you one missed paycheck from being unable to pay essential bills (ex: food, transportation, etc.)?
• If you were to experience a financial emergency, like a job loss or a large sudden expense, could your friends and family support you without sacrificing the ability to pay their own essential bills?
• Are you willing to commit $25 per month to have at least one essential expense paid for you for as long as you maintain your monthly membership?

Your monthly membership acts like an investment and goes into a pool. It is combined with the membership dollars from fellow members and donations that the Livelihood Trust raises from Sponsors. Then, the pooled funds are invested into a mix of assets, like businesses and/or real estate, to use for growing the funds.

In return for reinvesting those pooled membership investments, the assets that were invested in pay back to Livelihood Trust a portion of the earned profits. This is called “return on investment” or “ROI”.

We pass the return on investment/ROI on to members in two checks every month: 1) Return On Membership and 2) Return On Sponsorship.

1. 1. 1. As a member, your Return on Membership, or the first monthly check, comes as a result of your monthly membership. Each month while you remain an investing Member, you earn one share of the profits. For example, one month earns you one share, five months earns you five shares, and so on. We expect, but cannot guarantee, that the amount of this check will increase over time as the ROI grows.

2. 2. 2. As a member, your Return on Sponsorship, or the second monthly check, comes as a result of donations from donors/Sponsors sought through fundraising efforts of Livelihood Trust. The administrative staff work with Sponsors who’ve been where you are, living paycheck to paycheck too, and are now achieving enough financial security to assist others achieve financial freedom and stability. As a bonus for your commitment to group economics, each month, we combine and invest the donations from Sponsors. Then, we equally distribute the return on investment across all current members. For example: if there are 10 current members, and Sponsors donate enough to generate $10 dollars in profits, you and the nine other members would receive an additional check for $1 dollar. The amount of this check will fluctuate depending on member count, donation volume, and investment performance at the time this check is issued each month.

The monthly checks you receive during the time you maintain your membership will be enough to maintain your ability to pay at most one essential bill – even in times of personal financial emergency – like job loss or a large sudden expense.

WE MUST INFORM YOU – AND BE SURE YOU UNDERSTAND – THAT THERE ARE NO GUARANTEES OF HOW MUCH YOU WILL RECEIVE EACH MONTH. THE AMOUNTS WILL DEPEND ON INVESTMENT PERFORMANCE. LIVELIHOOD TRUST TAKES A CONSERVATIVE INVESTMENT STRATEGY THAT AIMS TO PROTECT YOUR MONTHLY CHECK AMOUNTS.

The goal is for Livelihood Trust to start paying ROI checks to its members within 60 days from signing on as a member. We send your checks at the end of each month. Depending on processing times, you may expect to receive deposits in your account in the first half of each month thereafter.

To ensure secure and timely paychecks we require you to have a personal depository account (checking or savings) with our preferred banking partner, Industrial Bank. Once you have an Industrial Bank personal depository account, simply provide us with your Industrial Bank account number during your membership registration. WE WILL ONLY SEND YOUR PAYCHECK DIRECTLY TO THE INDUSTRIAL BANK DEPOSITORY ACCOUNT YOU PROVIDE WHEN YOU BECOME A MEMBER.

No, we don’t reinvest your membership checks. The purpose of Livelihood Trust is to send you a monthly check as an income safety net to offset the cost of your essential bills.

Yes, you may cancel or pause your membership at any time from your account profile page.

It’s important to know that as a condition of your membership, your initial investment stays in the trust fund permanently. Those are the funds you paid in for your membership. This is a condition because withdrawing your investment for any reason would decrease the investment power of the group, which would decrease the monthly income for the group. When you cancel your account, your previous membership fees will not be refunded. However, you will have earned and keep the investment dollars received up until the date of your cancellation or pause; and you may reach out to Livelihood Trust to be considered for re-joining in the future.

We recommend reading the legal stuff if you want to do more research. If you’re still unsure about how becoming a member helps you, just contact us here – we’re available to answer your questions.

Love is our favorite display of support, and there are two more ways you can show it:

1. Become a Sponsor
2. Become a Role Model