Time or money--you must invest to grow your SFI business. Without investment, one can be successful, but this is much more challenging. I personally feel, this is possible for those who have taken this full time from the very first day they joined SFI. Finally, I will say, success is possible w/o money, if you work for it at least 6-8 hrs. a day. For part timers, better to invest, as this business may give us full financial freedom. Compare this with any other business of the world.