I'm glad I was provided this education in life as a kid and that is:
"If it too good to believe, don't believe it!
FACT is every company out there promotes, but not every company can successfully carry out the plan. That is why it is called a forward projection and carries a "Safe Harbor" clause.
Another FACT and as Janice Shell has proven in the April Fool fiesco 10 years ago, there are lots of suckers, some of them are bigger suckers than others (sucker=dumb=ignorant).