There’s a certain kind of company that always pops up when the economy gets tight: the ones promising “financial freedom,” “massive savings,” and “a simple way to make money from home.” They know exactly who they are targeting — people under pressure, people trying to get ahead, people who can’t afford to lose a dollar but are desperate to stretch one. Savings Highway Global (SHG) is one of those companies. 

On the surface, SHG claims to offer a membership that helps you “save money and make money.” But once you peel back the layers, the picture becomes a lot less inspiring and a lot more concerning.

What Is SHG Supposed to Be?

Savings Highway Global (SHG) markets itself as a “savings membership” that gives you access to discounts on travel, services, and everyday expenses. They pair this with an affiliate program where you can earn commissions by selling memberships or recruiting others.

If that sounds vague, that’s because it is.

There’s no tangible product. No physical goods. No clear, measurable value. Just “access” to discounts that may or may not be better than what you can get for free online.

When a company’s product is intangible, unverifiable, and wrapped in a compensation plan that leans heavily on recruitment…well, that’s where my eyebrows go up.

Who’s Behind SHG?

The name most commonly associated with SHG is Steve Gresham, a familiar figure in the online business/MLM world. Public reporting shows he’s the one affiliates look to for leadership — and the one who allegedly threatened legal action when affiliates started asking questions about missing commissions.

That alone tells you a lot about the culture.

The Business Model: Savings or Recruitment?

Let’s be honest: if SHG’s “savings” were genuinely valuable, the company wouldn’t need a recruitment structure at all. People would join for the product.

But SHG’s marketing overwhelmingly focuses on:

  • earning money
  • building a team
  • overrides
  • downlines
  • “financial freedom”

When the opportunity is the product, that’s a problem.

When the “product” is a membership full of discounts you could find elsewhere for free, that’s an even bigger problem.

Regulatory Oversight: Or Rather, the Lack of It

Multiple public sources note that SHG is not regulated by major financial authorities like:

  • the FCA (UK)
  • ASIC (Australia)
  • or any comparable body

This matters because SHG positions itself as a financial opportunity — a way to save and earn. When a company operates in that space without oversight, consumers have:

  • no protection
  • no transparency requirements
  • no guaranteed dispute resolution
  • no safety net if things go wrong

Unregulated + financial claims + recruitment = a classic high-risk profile.

Documented Issues: Payment Delays, Excuses and Legal Threats

Here’s where things get even more concerning.

  1. Commission Problems (December 2023)
    Public records show SHG affiliates experienced delayed commissions, missing payments, a website that was down for nearly a month and repeated excuses framed as “programming updates.” Even the company’s top earner publicly acknowledged the issues before leaving the company entirely. When a company can’t pay its top earners, that’s not a glitch — that’s a structural problem.
  2. Legal Threats Instead of Accountability
    Instead of addressing concerns transparently, SHG leadership allegedly responded by threatening affiliates who spoke out. That’s not how legitimate companies behave. That’s how companies behave when they’re trying to control the narrative.

What Are Real Users Saying?

Public reviews paint a familiar MLM picture.

Negative experiences include:

  • “I was scammed.”
  • “Paid for months and got nothing.”
  • “No leads, no savings, no support.”
  • “They promise a lot but deliver nothing.”

Positive reviews exist too — but they follow a pattern:

  • vague praise
  • generic “great savings!” claims
  • no specifics
  • often from people who appear to be affiliates

This polarized pattern is extremely common in MLMs: those who benefit from recruitment praise the system, while those who lose money call it what it is.

Red Flags You Shouldn’t Ignore

Here’s the summary, plain and simple:

  1. Unregulated financial-style business
    SHG is not overseen by any major financial authority.
  2. Intangible, unverifiable product
    “Access to savings” is not a real product, it’s a marketing phrase.
  3. Recruitment-heavy compensation structure
    If you remove recruitment, the business collapses.
  4. Documented commission failures
    A company that can’t pay affiliates is a company in trouble.
  5. Legal threats against critics
    Healthy companies don’t silence their own members.
  6. Multiple complaints from people who lost money
    When people say they paid and got nothing, believe them.

Who is most at risk?

  • People in financial stress
  • People looking for a side income
  • People unfamiliar with MLM structures
  • People who trust “savings” language without realizing it’s unregulated

These are the exact people MLMs and pseudo-financial schemes target.

My Verdict as a Consumer Advocate

Savings Highway Global checks every box on the MLM red-flag list:

  • vague product
  • recruitment focus
  • unregulated financial claims
  • payment issues
  • legal intimidation
  • mixed reviews with clear harm reports

From a consumer protection standpoint, I cannot recommend this company. There are safer, regulated, transparent ways to save money and none of them require you to recruit your friends or pay monthly fees.

If you’ve had experience with SHG — good or bad — I encourage you to share them. Every story helps build a clearer picture and protects others from falling into the same trap.

You can reach out privately or comment publicly.

Your voice matters.

By Beth Gibbons (Queen of Karma)

Beth Gibbons, known publicly as Queen of Karma, is a whistleblower and anti-MLM advocate who shares her personal experiences of being manipulated and financially harmed by multi-level marketing schemes. She writes and speaks candidly about the emotional and psychological toll these so-called “business opportunities” take on vulnerable individuals, especially women. Beth positions herself as a survivor-turned-activist, exposing MLMs as commercial cults and highlighting the cult-like tactics used to recruit, control, and silence members.

She has contributed blogs and participated in video interviews under the name Queen of Karma, often blending personal storytelling with direct confrontation of scammy business models. Her work aligns closely with scam awareness efforts, and she’s part of a growing community of voices pushing back against MLM exploitation, gaslighting, and financial abuse.