I'm not a financial adviser. I’m just sharing information that is available on the internet and putting it in one location. Do your due diligence with all information that is shared. Most importantly, take it to the Lord for confirmation. If your heart is aligned with God, then He will see your transfer through. If you don't receive anything. ask the Lord. I have an offer on the backend that makes it 90% easier to get the best info and plan your strategy. If you’re willing to put in the work, then it's not necessary at all. But if you’d like a tremendous advantage, I’d recommend trying the offer.