1990
Registered my business in Mainz
Into sales at twenty — at an insurer, with no savings and no idea what I was getting into.
Cala d'Or · Mallorca
You earn well. And still, nothing is left at the end.
For thirty years it was exactly the same for me — despite brokering 220 million euros in property. After every deal I was back at zero. I'll tell you what changed that. Without promising you a single number.
36 years in sales
€220m in property brokered
Since 2022 on Mallorca
Michael WennesheimerIn sales since 1990
In numbers36 years self-employed ◆ €220m in property brokered ◆ 15 years an independent broker ◆ since 2010 into Bitcoin ◆ €1,500 at the restart ◆ €100,000+ in trading capital from it ◆ 2 countries ◆ since 2022 on Mallorca ◆ 1 trading platform of my own ◆
Sound familiar?
Three sentences. If two of them ring true, we should talk.
01
You earn well — but the moment you stop, the money stops.
A holiday costs you twice: once for the trip, once for the revenue that never happens while you're away.
02
You've tried something before. It didn't work out.
And to this day nobody can tell you exactly why — the product, the timing, or you.
03
You distrust anyone who promises you numbers.
Rightly so. That still holds for me today — which is why you won't find any on this page.
All three applied to me too. For twenty years I believed working harder was the answer.
Where it actually goes wrong
It is not that you save too little
That's the comfortable explanation, and it isn't true. Three numbers you can check yourself — the sources are underneath.
93 %
of the self-employed do provide for old age
And with an average of over 20 % of net income. The usual picture of the carefree self-employed is simply wrong.
Source: DIW Weekly Report 12/2026
€3,550bn
sit in accounts in Germany
37.4 % of all private financial assets sit around as cash and deposits. Not invested badly — not invested at all.
Source: Deutsche Bundesbank, Q1 2026
2,9 %
inflation in August 2026
That is how much purchasing power this money loses per year without anyone making a mistake. Doing nothing is enough.
So you're probably not doing anything wrong. You're just not doing something. That's a difference — and the second one is easier to fix than the first.
First things first
What you won't find here
✕No return figures.I don't know what you'll achieve. Any number written here would be a guess — and you'd remember it.
✕My story as your promise.What worked for me is here — openly, bad years included. What follows from that for you, I don't know. Anyone who tells you after ten minutes is selling you something.
✕No artificial scarcity.No "selected few", no countdown, no last three spots. If it fits, it'll still fit next week.
About
Starting over twice. The second time with €1,500
It began on the first of April in Mainz. I didn't find the irony of the date funny at the time.
„After every deal I was back at zero.
That's what I didn't want any more."
The door into sales was opened for me by my father-in-law — a manager at Hamburg-Mannheimer International. He didn't just teach me the trade, he taught me a way of thinking. I still carry it, and I'm still grateful to him for it. He is and remains my role model.
The start was anything but easy. In those first years I had to earn everything the hard way, and I doubted myself often enough. Giving up wasn't on the table — honestly, partly because I had no idea where else to go. Looking back, that was my luck. I haven't regretted this path for a second.
Over fifteen years as an independent insurance and property broker, around 220 million euros in property brokered across Germany and Spain. I did it with my heart in it, not as a job. Alongside that, network marketing from 1991, when almost nobody in Germany had heard of it. And in 2010 Bitcoin got hold of me and hasn't let go since.
At some point I was tired of chasing. Property is a good business. But one where your month hangs on a notary appointment, your quarter on a financing approval and your year on the mood of people you can't control. You close the deal of your life — and on the first of the next month the zero is back, looking at you.
What isn't in any CV: after that came a point where nothing was left. No cushion, no plan B, €1,500. Out of that, over the years, grew trading capital of more than €100,000 — slowly, with setbacks and detours, and with years I don't like talking about.
I'm writing it down because you'd ask anyway. And I'll say it in the same breath: that number tells you nothing about your case. It only tells you I know what the floor feels like.
For thirty years “passive income” was to me what it is to most people: a word other people use to sell something. That it turned into something else was down to no product. It was down to me stopping kidding myself — and starting to do the same thing every month. Even when it was boring. It was mostly boring.
In 2022 it finally held. Michaela and I packed our cases and followed the dream. What came next wasn't arriving in paradise — it was authorities, paperwork, and a few months where we didn't know a soul here.
What stayed is something I couldn't picture for thirty years: I don't have to run any more. No notary appointment decides my month, no client my quarter. The difference isn't the blue sky outside the window. The difference is that Tuesday morning belongs to me.
What drives me is the same thought as thirty years ago, just without the pressure back then: showing people how to make more of their lives as entrepreneurs. Whether your path ends up looking like mine, I can't tell you. One thing I do know: you'll only find out if you listen.
The path
Thirty-six years, the short version
1991
First contact with network marketing
At NSA, air and water filters. What excited me was that with little investment you could build your own company inside a company.
90s
Fifteen years as a broker
Independent, in insurance and property. Around €220m in property brokered across Germany and Spain. The school where I learned to talk to people about money.
2000s
Unicity, Forever Living, YoungGo
At Global Well International I built the company's largest and highest-earning team.
2010
Bitcoin — and the exit from property
Trading hasn't let go of me since. Curiosity turned serious — and chasing deals turned obsolete.
2017
Moving to PM International
As a direct first line under Carsten Ledulé. That working relationship turned into a long friendship.
In between
The point where nothing was left
No cushion, no plan B, €1,500. Rebuilding took years, and it was anything but a straight line.
2022
Moving to Mallorca
To Cala d'Or with Michaela. Not meant as a reward, but as a consequence: if you're no longer tied to appointments, you can work wherever you like.
2026
My own trading software
Since February my team and I have been building our own software for the gold market. Still being developed.
→ Scrolling on moves the timeline
„I think honesty matters most. And most people pull others into a business with false promises."
Michael Wennesheimer
I didn't come up with that line to seem likeable. I've been in sales since 1990 and in direct sales since 1991 — in an industry where that line gets broken daily — and I stayed long enough at companies where I noticed too late that I was bending it myself.
What I took from it: the difference between people who move forward and people who stand still is rarely knowledge. It's almost always the willingness to hear something uncomfortable. That part I can't do for you. Everything else I can.
Topics
What we talk about
Four topics where I know what I'm talking about. For anything else I'll tell you exactly that — and name someone who does it better.
◆
Trading and crypto
My subject since 2010; since February 2026 my team and I have been building our own software for the gold market. Most people aren't afraid of crypto — they're afraid of not understanding it. That's exactly where I start: explaining until it lands. What you do with it afterwards is your call. And yes, it can go wrong. Anyone who tells you otherwise shouldn't be advising you.
Since 2010 · gold & crypto
◇
Network marketing
In it since 1991, with everything that comes with it: the good years, the companies I stayed with too long, and the realisation that the industry has earned a good part of its bad reputation itself.
Since 1991 · 35 years in the industry
△
Going self-employed
The step out, and what actually happens in the first three years.
Since 1990 · started over twice
◎
Moving abroad
Mallorca, since 2022. Paperwork, authorities, and the months when it gets lonely.
Since 2022 · Cala d'Or, Santanyí
Tool
Run the numbers yourself
Two sliders decide your outcome more than any product choice: what you reinvest, and what you pay in fees. Move them. The assumptions are yours, not mine.
Start with an example
Freely chosen. That's your assumption — not an expectation and not a figure I'm holding out to you.
Fees, spreads, administration. Small percentages, large effect over the years.
Whatever you don't reinvest is withdrawn and stops growing.
Deducted from every contribution before it starts working.
Capital after 20 years
—
Paid in
—
Compounding
—
Eaten by costs
—
Your contributions
Compounding
| Year | Paid in | Compounding | Capital |
|---|
—
Please read
- This is a worked example, not a forecast. It shows maths, not your future.
- You enter the return yourself. I'm not holding one out to you — I don't know it, and nobody else does either.
- The model assumes steady growth. That doesn't exist in reality: there are bad years, and capital can lose value, up to a total loss.
- Taxes and inflation aren't included. Both reduce the result.
- No investment advice, no recommendation for any particular product, and no statement about anything I'm involved with.
Want to go through this with your real numbers?
Send me your amount, your timeframe and the costs somebody quoted you. I'll work through it with you — even if the answer turns out to be that it isn't worth it.
The tool
The six questions for any provider
Me included. Anyone who dodges two of them has already told you the most important thing — and you can save yourself the rest of the conversation.
01Where does the return come from?
Every return has a source. Anyone who can't explain it in two sentences either has none — or doesn't want to explain it.
02What do all the fees add up to?
Your outcome is decided by what is left after costs, not by the return. Ask for one single number, not for a list.
03Who holds the money?
The difference between "held at a bank in your name" and "held by the provider" is, when it matters, the difference between waiting and losing everything.
04Who regulates it?
A register number you can look up yourself. A company registration is not financial supervision — that is the most common mix-up.
05How do you get out again?
Paying in is easy everywhere. The test is getting paid out — and you had better run that test in your head beforehand rather than for real afterwards.
06Who earns on your sign-up?
If somebody is paid for it, their advice isn't neutral. That needn't be a bad thing — but you have to know it.
Take them with you in writing.
Two pages to print: for each question, what a good answer looks like — and how you can tell you are not getting one. No sign-up, no email address.
Transparency
What this costs
Nothing. And here's why I can afford that.
My conversations are free for you. Not out of kindness: if you end up working with one of my partners, they pay me for the referral. I'd rather tell you that now than later.
Feel free to ask what I earn on a recommendation. I'll tell you — on every single one.
And if the best solution for you is one I get nothing from, I'll name that one anyway.
That's why I don't work with everyone. I don't need volume, I need people it actually fits. If I sense someone is looking for a shortcut, I say so and we leave it. Better day for both of us.
Who it's for
The people I actually talk to
Not a target group out of a marketing textbook. These are the four kinds of conversations that genuinely land with me — you might recognise yourself in one.
◆
The one whose business only runs while he's there
Trades, a practice, an agency, sales. Twenty years of building, a decent income — and still everything hangs on one person. Two weeks away cost you the month, not the trip.
◇
The one who's earned well for years and starts from zero every January
The year-end figures look good. The bank balance in February tells another story. The money was there — it just never stayed.
△
The couple who've been talking about moving abroad for years
And stop at the same point every time: on what, exactly? I had to answer that question myself in 2022, with authorities, paperwork and a few very quiet months.
◎
The one who wants to understand it this time, before putting money in
Has been talked into something before and doesn't want a repeat. Comes with questions instead of enthusiasm. Those are the best conversations.
If you don't recognise yourself in any of them, that's an honest no — and you've saved yourself the call.
And if you do?
Two or three sentences are enough. No form, no booking system, no pre-call with somebody else — you're writing straight to Michael's phone.
FAQ
Common questions
No. I don't know how much time you'll put in, how you handle setbacks, or how the market develops. Any number I gave you now would be a guess — and you'd remember it. So I don't.
A fair question, and I don't take it badly. I've been in direct sales since 1991 and know the industry from the inside, with its good sides and its uncomfortable ones. Ask me in the conversation about the specific companies, the compensation structures, and what I earn. I'll answer all of it.
On the contrary, that's an honest starting point. It gets awkward with people who act as though they've understood it. We start at zero, and if you end up saying it's not for you, that's a perfectly good outcome.
People who want to use money they need to live on. People who already know before the conversation what they want to hear. And people who won't listen — that derails things more often than a lack of knowledge.
You message me on WhatsApp or by email, a few sentences are enough. Then we talk on the phone or do a video call. I listen and ask questions before I suggest anything. After that you decide in your own time — without me chasing you.
The conversation
What you take away — even if nothing comes of it
One call, thirty to forty minutes. Free, and without me following up afterwards.
01An honest read on where you stand
Whether what you have in mind actually fits your situation. It happens regularly that my answer is: leave it.
02The six questions for any provider
We go through them together — on the specific provider you are thinking about. And you ask them of me too.
Take them along beforehand.The six questions as a printable sheet, with good answers and warning signs.
Get the PDF
03A calculation with your numbers
Not mine. We go through the calculator on this page together — with your amount, your timeframe, your costs.
✕What you don't take away
A return figure. A recommendation without questions. And the feeling that you have to decide right now.
Why
Why I bother at all
In 1990 I could have used someone to tell me what I wasn't seeing. There wasn't anyone. Instead I spent fifteen years learning things somebody could have told me in two honest conversations.
Michaela says I talk about money too much. She's probably right. But I've seen what happens when nobody talks about it: you work for thirty years, do everything you believe is right — and wonder at the end why nothing stayed. That happened to me. Twice.
Today I'm on the other side of the phone. Not because I'm smarter. Because I've already made the mistakes and can describe them before someone repeats them.
I promise you nothing. I tell you what I see. What you do with it stays your business — and that isn't a nice phrase, it's the only way this works at all.
Contact
The part I can't write down here
Everything that matters depends on your situation, and I don't know it. Two or three sentences are enough for me. I answer messages myself — no assistant, no autoresponder, no booking funnel with three pre-calls. Usually the same day.
If you're not ready to talk yet
About once a month I write down what I noticed: what somebody has just fallen for, what I got wrong myself, which question came up most often in conversations. No offers, no product names, no numbers that promise anything.