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It is so much easier to begin with an opportunity that has a one time fee to get started. It is even better when it pays 100% commissions so you can get it back with your first sale. If it takes a while to learn the skills and to get sales rolling in, it is no big deal. You don't have to worry about monthly fees.
Once making a steady income, you can add a monthly program to start also building a residual income stream. Plus, not only will you have the money for the monthly fees, you'll already know how to do well with it and can easily get the monthly fee covered before it is due again.