Hi, The start up cost is because you are paying for their portal, access to training, access to documents and materials to succeed. I look at it as the same as an independent sales agent having to pay to get certified, licensed, pay for a computer, marketing materials, etc. It is the same concept. I am about to get started myself and was hesitant, but attended a training seminar today and I truly believe in the product. It's not a scam or anything, just an investment to get started that you'll quickly earn back plus more.