Wealth Shift Program™, a product of 13Money™ WU, is a financial education program. It is not a business opportunity, income guarantee, or quick-fix solution. Our goal is to equip you with real knowledge, tools, and a mindset shift to help you move forward financially. That said—your effort, choices, and consistency are what determine your outcome.

We do not make earnings claims, effort claims, or promises of financial success. Any examples, testimonials, or results shown are extraordinary cases and not typical. Everyone learns and applies information differently, and your results may vary.

All materials in the Wealth Shift Program™ are protected by copyright and intellectual property laws. No part may be copied, shared, or repurposed without written permission.

By participating, you agree that Ra-El Bey™ (Ray) and 13Money™ WU are not responsible for your decisions, financial outcomes, or interpretations of the material provided. You are fully responsible for your own financial actions and must evaluate the content based on your personal situation.