What to Do When Your Prospect Says
“I Don’t Have the Money”

This is the objection that makes most network marketers freeze.

A prospect says, “I don’t have the money,” and suddenly:

• The rep backs off

• The posture drops

• The confidence disappears

• The conversation dies

But here’s the truth you need to understand if you want to become a professional in this business:

“I don’t have the money” is almost never about the money.

It is about value.
It is about fear.
It is about uncertainty.
It is about priorities.

People always find the money for what they value.
People always find the money for what they believe will solve their problem.

So when someone says they don’t have the money, it simply means something important has not been uncovered or addressed yet.

You don’t argue.
You don’t push.
You don’t guilt them.
You stay calm, curious, and professional.

Here’s exactly how to handle it.

Step 1: Acknowledge Without Judging

Never make someone feel wrong for their financial situation.

Never make someone feel defensive.

Say:

“I understand. A lot of people feel the same way at first.”

This keeps the door open.
It shows respect.
It maintains emotional safety.

Without safety, you will never get past this objection.

Step 2: Ask the Clarifying Question That Reveals the Truth

The most important question you can ask is:

“If money wasn’t an issue, would this be something you’d want to do?”

This exposes whether the concern is real or a smokescreen.

Only two answers exist:

1. “Yes, I would.”

This means they actually want it. The interest is real.
Now you help them bridge the gap.

2. “No, not really.”

Perfect.
It means money was never the issue.
They just didn’t want to say no directly.

Either way, you now know the truth.

Step 3: If They Want It, Explore the Gap Together

When someone says they would move forward if money weren’t the issue, you are in a partnership conversation, not a sales conversation.

Ask:

“Ok. What can you comfortably afford right now?”

or

“What do you think is the best first step for you financially?”

You’re helping them navigate, not pushing them to stretch beyond what’s comfortable.

Some people will surprise you and figure it out.

People will sell things, rearrange things, cancel things, and adjust things to solve a priority they truly want to solve.

Your job is not to convince them.

Your job is to help them think.

Step 4: Reconnect Them to Their Pain and Their Reason

Money objection shows up when the pain isn’t clear enough or the reason isn’t powerful enough.

Use this question:

“If nothing changes for the next 6 to 12 months, what does that look like for you?”

This makes them confront reality.
This makes the cost of staying stuck more painful than the cost of moving forward.

People find the money when the price of staying the same becomes too high.

Step 5: Share a Short, Simple, Relevant Story

Stories create possibility.

You can say:

“Someone on my team said the same thing. Money was tight. But they were tired of staying where they were. They found a way to get started and now they’re in a completely different place.”

Not hype.

Just a real, relatable shift.

Stories lower resistance more than facts ever will.

Step 6: Release the Pressure Completely

Your posture must remain intact.

Say:

“If the timing isn’t right, it’s totally ok. If it is, I’ll help you move at a pace that feels good for you.”

People decide when they feel safe.
Not when they feel cornered.

And the moment you release pressure, they feel freedom to actually make a decision.

The Big Takeaway

“I don’t have the money” doesn’t mean no. It means something still needs clarity.

The value isn’t clear enough.
The pain isn’t deep enough.
The timing isn’t aligned yet.

Your job is not to force anyone.

Your job is to help them explore what they truly want and what staying the same is actually costing them.

Handle this objection like a professional and you’ll see conversations shift fast.

Your Call to Action Today

Use this line today:

“If money weren’t an issue, would this be something you’d want to do?”

That one question will tell you everything you need to know.